If you looking for a credit card that offers incredible benefits and rewards without the hassle of income proof, Kotak 811 Dream Different Credit Card is here to turn your dreams into reality. This unique credit card is backed by a fixed deposit, making it accessible to a wider range of individuals. In this article let’s explore the key highlights and benefits of Kotak 811 Dream Different Credit Card.
Kotak 811 Dream Different Credit Card
- Suitability: This credit card is perfect for those who do not have traditional income proof.
- Joining Fee: Nil (No upfront charges for acquiring the card)
- Annual Fee: Nil (No yearly renewal fees)
- Best Feature: You can obtain this credit card by opening a Fixed Deposit (FD) with Kotak Mahindra Bank.
Benefits of Kotak 811 Dream Different Credit Card
- Lifetime-Free Credit Card: No annual fees or joining fees – Enjoy its benefits for free.
- Reward Points: Earn two reward points for every Rs. 100 spent online and one reward point for every Rs. 100 spent offline. As a welcome benefit, spend Rs. 5,000 in the first 45 days and receive 500 bonus points.
- Interest-Free Cash Withdrawal: Enjoy a cash withdrawal limit with no interest for the first 45 days.
- Desirable Credit Limit: The card’s credit limit is 90% of your fixed deposit amount.
- Surcharge Waiver: Get a 1% surcharge waiver on fuel and a 1.8% surcharge waiver on train ticket bookings through www.irctc.co.in. If you book train tickets through the counter, enjoy a 2.5% surcharge waiver.
- Milestone Program: Accumulate reward points and become eligible for bonus offers on spends of Rs. 75,000 in any anniversary year: a) Cashback of Rs. 750 – Claim it within three months after the anniversary year. b) 4 Free PVR Tickets – Redeem them within three months after the anniversary year.
- Visa payWave: Experience fast and hassle-free payments with the Visa payWave feature. No PIN or card handover required for transactions up to Rs. 5,000.
- Secured Credit Card: This card is secured by a fixed deposit, ensuring that you are pre-approved for it. No need to worry about income or CIBIL scores.
- Add-On Card: Apply for add-on cards with the option to set individual credit limits, making tracking expenses a breeze.
- Safety Features: The card boasts enhanced security with an embedded EMV chip and a 6-digit PIN for transactions.
Kotak 811 Dream Different Credit Card Charges and Fees
- Joining Fee: Nil
- Annual Fee: Nil
How to Apply for Kotak 811 Dream Different Credit Card?
Applying for the Kotak 811 Dream Different Credit Card is a straightforward process. Follow these easy steps:
- Step 1: Visit Kotak 811 Credit Card Application.
- Step 2: Choose your preferred credit card.
- Step 3: Enter the required details.
- Step 4: Verify your details with the necessary documents.
- Step 5: Click on submit.
Eligibility Criteria of Kotak 811 Dream Different Credit Card
- Age: 18 – 65 Years
- Residence: Indian
Documents Required to Apply for the Credit Card
- KYC Documents: You only need your KYC documents, as income proof is not required due to the credit card being secured by a fixed deposit.
- Minimum FD Amount: More than Rs. 10,000
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