Kotak 811 #DreamDifferent Credit Card
Kotak 811 #DreamDifferent Credit Card from Kotak Mahindra Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Lifetime free | Reward type: Reward Points | Best for: Shopping, Online Shopping
Estimated value per Rs 100 of eligible spend.
Kotak 811 #DreamDifferent Credit Card Overview
Kotak 811 #DreamDifferent Credit Card is a Kotak Mahindra Bank credit card. Base reward value is about Rs 0.04 per Rs 100 of eligible spend. Zlash checks boosted categories like online shopping along with caps and exclusions.
Best For
Kotak 811 #DreamDifferent Credit Card is most useful when your spends regularly fall into online shopping.
Rewards
online shopping
4x the base reward rate.
Not Good For
- Spends in excluded categories such as cash withdrawals, fuel transactions, railway transactions.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 72,000 in a yearly period for benefit value around Rs 1,000.
Zlash Verdict
Choose this card when shopping, online shopping match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of Kotak 811 #DreamDifferent Credit Card?
The listed annual fee is Lifetime free.
What is Kotak 811 #DreamDifferent Credit Card best used for?
Kotak 811 #DreamDifferent Credit Card is most useful when your spends regularly fall into online shopping.
Does Kotak 811 #DreamDifferent Credit Card have reward exclusions?
Yes. The extracted exclusions include cash withdrawals, fuel transactions, railway transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.