Lifetime Free Credit Card: Apply 811 Credit Card @No Joining Fee

Lifetime Free Credit Card: Apply 811 Credit Card @No Joining Fee

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Apply for 811 Dream Different Credit Card - Free Credit Card

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Kotak811 Dream Different Credit Card

Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit limit up to 90% of your term deposit amount and a free Credit Card for life – all with the Kotak811 Dream Different Credit Card

UPI enabled Credit Card

No Joining and Annual Fees

4 reward points on every Rs. 100 spent online

Enjoy exciting welcome benefits & rewards

Fuel and Railway surcharge waiver

Interest free cash withdrawal up to 48 days

Cashbacks on electronic toll payment - FASTag

No expiry of reward points

Credit limit up to 90% of the fixed deposit amount

Credit limit known upfront at the time of applying for the credit card

Reward Points
- Earn 4 reward points against every Rs. 100/- of online* spends
- Earn 1 reward point against every Rs. 100/- of other spends
Interest free cash withdrawal
- You can withdraw cash up to 90% of your total credit limit.
- Processing fee of Rs. 100 for every instance of ATM withdrawal and Funds Transfer
- No interest will be charged up to 48 days on cash advance
Balance Transfer
- Processing fee of Rs. 349/- per Rs. 10,000/-
- Continued interest free period on fresh retail purchases
- Easy & Instant - Just call us to transfer your other credit card balances
Add-on Card
- Your Add-on Card will have all the benefits that you enjoy on your Card
- Set the spend limit on your Add-on Card as you desire
- Track spends separately for each of your Add-on Card(s)
Fuel & Railway Surcharge waiver
- 1% across all petrol pumps for transactions between Rs. 500/- and Rs. 4000/- (max. Rs. 3500/year)
- 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year

Check your eligibility for the Kotak811 Dream Different Credit Card.
Explore more credit card options that best suit your needs.

Reward points will not be offered on fuel and railway spends as the card also offers surcharge waivers on the same
Reward points will not be offered on cash withdrawals.
Rewards earned on spends prior to 15th April 2024 will remain unaffected.

Note:

Aqua Gold Credit Card has been rebranded to Kotak811 Dream Different Credit Card effective 15th July 2020 onwards.
Card replacement & renewal for logo 210 (Kotak811 Dream Different Credit Card – Gold variant) :
- Card replacement request can be placed by either the Primary cardholder or an Add-on cardholder. Irrespective of who is placing the request, both the cards will be replaced. Please note, if the same is initiated by the primary cardholder, both cards need to be active. The cards will be replaced from Gold variant to Platinum variant.
- Card renewal is an automated process. In case a customer holds both Primary & Add-on cards, then both the cards will be renewed. Please note, if the primary card is due for renewal, then both cards need to be active. The cards will be renewed from Gold variant to Platinum variant.

Click here to know more about the Kona Kona Umeed Offers on Credit Cards.