CashbackRuPayEntryActive
811 Dream Different Credit Card
Kotak Mahindra Bank
Joining Fee₹424Renewal FeeLifetime Free
Last verified: 23 Sept 2026
Reward Program
Cashback1 point = ₹1.00
Redemption fee: 0
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Managed via Kotak811 mobile banking application, Rewards section
Transfer partners
Credited to the cardholder's savings account — the only channel. Claimed from the Rewards section of the Kotak811 mobile app for Kotak811 savings account holders; cardholders without a Kotak811 account receive it directly into their active Kotak Mahindra Bank savings account. Made redeemable by the 15th of the month following the billing cycle, and forfeited if not redeemed within 30 calendar days.
Live Offers
20 activeElivaas10% instant discount up to 50,000 on Kotak Cards. For Solitaire Credit Card/Wealth Infinit
10% offTill 7 Oct
MakeMyTripUp to 15% instant discount upto ₹20,000 on Kotak Mahindra Bank Select Credit Cards
15% offTill 31 Mar
The Bombay Sweet ShopFlat 30% off upto ₹15000 on any purchase on Kotak Solitaire Credit Card. Applicable on bot
30% offTill 30 Nov
District20% instant discount upto ₹10,000 at district via Kotak Solitaire Credit Card
20% offTill 31 Mar
BiginBoost sales and foster long-term customer relationships with Bigin, the simple yet powerfu
50% offTill 31 Mar
Benefits
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹3,500 in an anniversary year. Kotak's value chart counts the full ₹3,500 as a benefit. Note that fuel earns no cashback at all — fuel MCCs are on the card's exclusion list — and fuel spend above ₹25,000 per statement cycle attracts a separate 1% transaction fee.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹424/yr |
| Renewal Fee | Lifetime Free |
| Forex Markup | 2% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | ₹100 for every instance of ATM withdrawal or fund transfer — a flat fee rather than Kotak's usual 2.5% of the advance. |
| Reward Redemption Fee | 0 |
