Kotak Dream Different Credit Card Apply – Review Details: Let us know about the DreamDifferent Credit Card offered by Kotak Bank such as what is Kotak Dream Different Credit Card , who can take this credit card , how can apply , interest rate, documents, eligibility criteria, What will be the fees and charges .
Usually the bank does not offer a credit card to everyone, the bank gives the credit card to only those people whose credit score is either good or they have income proof, so if you want to take a credit card and you go to the banks Tired of cutting and still you are not able to get the credit card then you do not have to worry at all.
Now you can take a new Kotak 811 #DreamDifferent Credit Card from Kotak Mahindra Bank on the basis of FD (Fixed Deposit) , if you have got FD done in Kotak Mahindra Bank then you can take advantage of this facility.
Apart from this, some important information related to credit card will also be told which will be very helpful for you. If you want to take Kotak 811 #DreamDifferent Credit Card then you have to read this article till the end.
What is Kotak Dream Different Credit Card?
Kotak Dream Different Credit Card is a fixed deposit credit card, to avail this credit card, you have to make your fixed deposit of ₹ 15000 or more in Kotak Mahindra Bank, and this FD will give you at least 1 year Have to keep it till the short maturity period.
This credit card has been launched for those people who have low CIBIL score, or want to take a new credit card, and their credit score is zero now, then they can take Kotak 811 #DreamDifferent Credit Card on fixed deposit basis. This credit card can help you in increasing your CIBIL score, credit limit.
Along with this, Kotak Bank offers this credit card for life time without any annual fee, joining fee and
This credit card can be used for online shopping on other e-commerce websites like Amazon, Flipkart, etc., where you also get the facility of EMI.
This credit card is approved by the bank without your account balance history.
Read Also: Google ACE Credit Card
Who can take Kotak 811 #DreamDifferent Credit Card?
Kotak Dream Different Credit Card can be availed by every person who is above 18 years of age, and has money to make a fixed deposit of ₹ 15000,
Students, housewife, salaried person, self employed, small shopkeeper, small businessman, a common man etc. can take this credit card. You can visit your nearest such branch to get the card.
Kotak 811 #DreamDifferent Credit Card
Some important information about Kotak Dream Different Credit Card is mentioned in the table below.
| Card Name | Kotak 811 #DreamDifferent Credit Card |
| Card Type | Entry Level |
| Best Suited For | Personal Use, Shopping, Online Spends Etc. |
| Required Security Deposits(FD) | RS 15,000 |
| Age Limit | 18+, Above |
| Annual Fee/Joining Fee | Nil |
| Card Apply | Click Here |
Required Documents for Kotak Dream Different Credit Card
- Pan Card
- Aadhar Card
- Kotak Active Bank Account
- Mobile No
- 2 Passport Size Photo
Read Also: RBL ShopRite Credit Card
Eligibility for Kotak Dream Different Credit Card
Following are the eligibility criteria for Kotak Dream Different Credit Card which are as follows.
- Applicant should be an Indian citizen and age should be more than 18 years.
- FD of at least ₹ 15,000 will have to be done in the bank.
- According to the bank, the fixed deposit will have to be kept for 12 months.
- The amount in the FD, the credit card limit bank will get you up to 80-90 percent.
- It is mandatory to have the necessary documents like Aadhar card, PAN card, mobile number to get SD card.
Note : On maturity of the FD, the card will have to be canceled before the FD can be redeemed. Only after this you will be able to withdraw full money from FD. And be able to use it. If you withdraw money in the middle then you may have to pay some other charges.
Credit Limit of Kotak Dream Different Credit Card
The credit limit on Kotak Dream Different Credit Card is determined on the HD made by you. If you make an FD of ₹ 50,000, then the bank will provide you the bank credit limit from 80 to 85%, that means ₹ 50000 on the FD You can get ₹ 45000 credit limit,
Which you can use to fulfill your personal needs like recharge, bill payment, online shopping, fuel purchase etc.
Read Also: Dhani One Freedom Card
Kotak 811 DreamDifferent Credit Card Interst Rate
The interest rate on Kotak Dream Different Credit Card can range from 3.50% to 42% per month if the credit bills are not paid on time. Here you get this credit card for free for life time without any joining fee, annual fee. Apart from this, this credit card has been launched with Visa Signature platform.
Note : If you withdraw more than ₹ 10000, you will have to pay a processing fee of ₹ 300, apart from this, you can use here for 48 days without any interest rate.
Read Also: SBI Elite Credit Card
Fees And Charges for Kotak Dream Different Credit Card
For Kotak Dream Different Credit Card, you have to pay certain fees and charges which are shown in the table below.
| Fee/Charge | Rate/Amount |
| Joining/Annual Fee | Nil |
| Interest on Revolving Credit | 2.99% per month (35.88% annually) |
| cash withdrawal fee | Rs. 300 per Rs. 10,000 |
| Over Limit Charges | Rs. 500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Check Bounce Charges | Rs. 500 |
| Re-issue/Replacement Card fee | Rs. 100 |
| Late Payment Charges | For Outstanding Amount:
|
Kotak 811 #DreamDifferent Credit Card – Features
The Dream Different Credit Card offered by Kotak Bank is available free of cost for life time with no joining fee, annual fee.
- This credit card can be used at merchant outlets.
- This credit card can be availed for family members such as parents, children above 18 years of age, siblings or spouse with the benefit of an add-on card.
- If you spend ₹ 75000 in 1 year through Kotak Different Credit Card, then you will get a cashback of ₹ 750, apart from this you can get a chance to earn 4 PVR tickets for free.
- You will also get a discount for making fuel purchases using this credit card
- Also the card can be used to pay utility bills.
- It allows converting credit card transactions into easy EMIs.
- Users can get draft or check drawn against the cash limit.
- You can withdraw up to 90% of your total credit limit without paying any charges.
- The first 48 days on cash withdrawal can be done without using onions, where some rules can be more.
Read here More Benefits in Details : Click Here
Read Also: IDFC FIRST Bank Classic Credit Card
How To Apply Kotak 811 #DreamDifferent Credit Card
To apply for Kotak Dream Different Credit Card, you can follow the steps mentioned below.
If you are already a Kotak customer then you can still apply for this credit card, new users can also take this credit card.
Step 1 . First of all login to Kotak Internet Banking or Mobile App.
Step 2 . After this, after selecting the ‘Apply Now’ option, click on ‘Select Credit card‘.
Step 3 . Now select the card and click on ‘Continue‘.
Step 4 . After this select your existing FD and click on ‘Confirm‘.
Step 5 . Now fill your personal information like name, address, address, email id, aadhar card number, pan card number etc.
Step 6 . Now wait till the card is approved.
Step 7 . As soon as this credit card is approved, it is delivered to you within 10 to 15 days through the post office at the address mentioned by you.
Note : If you use the credit card properly then it can prove to be effective for you, after making this credit card, you can use Card To Card credit cards of other banks such as ICICI Bank, HDFC Bank, Axis Bank, etc. You can also take credit card
But there is a condition for this that you have to submit the credit bill on time. With the help of this credit card, you can get a credit limit of up to ₹ 3,00,000 on other bank’s credit cards.
Kotak 811 Credit Card Customer Care No
If you face any kind of problem then you can get the solution of your problem by talking to the customer officer of Kotak Bank, apart from this you can also get the solution through live chat on the official website.
| Kotak Number | Team | Working window |
| 1860 266 0811 | 811 | 9.30 AM to 6.30 PM (Monday to Saturday excluding holidays) |
| 1860 266 2666 | Bank and Credit card | 24*7 |
| 1860 266 2666 | Personal and Home Loan | 9:00 AM to 7:00 PM (Monday to Saturday excluding holidays) |
| 1800 209 0000 | Fraud or any unauthorized transaction in your Account / Credit Card | 24*7 |
Disclaimer : Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, Month- Year, do not share personal information with anyone. Here this information has been given keeping in view the Kotak Mahindra Bank for education purpose only.
Kotak 811 #DreamDifferent Credit Card Review
If I tell about my personal experience, Kotak Dream Different Credit Card offered by Kotak Bank is an entry-level credit card, if you have not taken a credit card yet, then you can get it from Kotak Bank on fixed deposit basis. can be activated from You can use this credit card to meet your personal needs,
Here this credit card helps in increasing your credit score along with increasing your credit score. If you activate this credit card, then you can also take Card To Card credit card of other bank, where you can get the maximum credit limit up to ₹ 300000.
My Last Word:
I hope today’s article will be helpful for you in which I have told you about Kotak Dream Different Credit Card, if this article has been helpful then you can follow us on social media platform, for reading this article your Thank you wholeheartedly.
FAQ’s on Kotak 811 #DreamDifferent Credit Card
Q1. What is the Kotak Dream Different Credit Card Card?
Ans. It is a secured credit card which is provided by the bank by keeping the fixed deposit in security. This is an entry level credit card, which you can get done from your nearest Kotak branch.
Apart from this, you can also apply online from the official website of Kotak Bank. This credit card is also made without any income proof.
Q2. How to apply for Kotak 811 #DreamDifferent Credit Card?
Ans. You can apply for Kotak 811 Credit Card online by visiting the official website of Kotak Bank, or by visiting the nearest branch. Where you can get this credit card with better credit limit by verifying your documents.
Q3. What is the annual fee for Kotak Dream Different Credit Card?
Ans. The Dream Different Credit Card offered by Kotak Bank is available free of cost for life time with no joining fee, annual fee.
Q4. Is it necessary to deposit a fixed deposit to apply for this credit card?
Ans. Yes, you must have a fixed deposit of Rs 15,000 or more. Only then will you be able to activate this credit card.
Q5. Are there any reward points for using this credit card?
Ans. Yes, you can get 500 Reward Points if you spend ₹5000 within 45 days after Kotak Different Credit Card Approval .
For example, if you spend ₹ 100 online, you will get 2 reward points, apart from this you will get 1 reward point on other expenses.
Q6. How to increase my credit limit on Kotak Dream Different Credit Card?
Ans. You can increase the credit limit by paying this credit card on time, apart from this your credit limit also starts increasing. If you withdraw only up to 80% from the bank. Apart from this, money can prove to be very helpful for withdrawal in case of emergency.