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Kotak Mahindra Bank
RuPay
811 #DreamDifferent

Kotak Mahindra Bank 811 #DreamDifferent

Lifetime-free, FD-secured RuPay credit card for students and first-time credit users, with UPI QR-code payment support and no income proof required.

first-timersstudentsfees-freerupay-upi

Also available on Visa

Kotak Mahindra Bank 811 #DreamDifferent is issued on more than one network — each has different rewards and lounge access.

  • Kotak Mahindra Bank
    VISA
    811 #DreamDifferent

    Visa variant

    Kotak also issues 811 on RuPay, which can be linked to UPI apps for QR payments against the credit line (not possible on Visa). Fees, eligibility, lounge access, and reward rates are otherwise identical across both networks.

Last reviewed 25 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: Lifetime free: no joining or annual fee ever charged

Eligibility

Age: 18–75 yrs

Employment: salaried, self employed, business owner, student

Rewards

online shopping4x points
all other1x points

Welcome benefits

  • • Milestone voucher worth ₹1,000 every year on eligible spends

Perks

  • ✓Fuel surcharge waiver: 1%
  • ✓Forex markup: 3.5%
  • ✓Card issued against a fixed deposit of ₹10,000+ (minimum 181-day tenure); no income proof required
  • ✓Credit limit up to 90% of the fixed deposit amount
  • ✓Interest-free cash withdrawals for up to 48 days
  • ✓1.8% railway surcharge waiver on IRCTC, max ₹500/year
  • ✓Reward points never expire
  • ✓Can be linked to UPI apps for QR-code payments drawing on the card's credit line (RuPay-specific; not available on the Visa variant)
  • ✓RuPay has narrower international/online acceptance than Visa, since it is primarily a domestic network — the 3.5% forex markup shown is carried over from the Visa variant as a documented estimate, not separately published for RuPay

Common questions

What is the annual fee on the Kotak Mahindra Bank 811 #DreamDifferent?
The joining fee is ₹0. The annual fee is ₹0. Lifetime free: no joining or annual fee ever charged
What are the reward rates on the Kotak Mahindra Bank 811 #DreamDifferent?
Kotak Mahindra Bank 811 #DreamDifferent earns 4x points on online shopping, 1x points on all other spends.
Does the Kotak Mahindra Bank 811 #DreamDifferent offer airport lounge access?
No, the Kotak Mahindra Bank 811 #DreamDifferent does not include complimentary airport lounge access.
Who is eligible for the Kotak Mahindra Bank 811 #DreamDifferent?
Applicants typically need a minimum age of 18, and must be salaried or self employed or business owner or student. Exact criteria are set by Kotak Mahindra Bank and can vary by application.
Is the Kotak Mahindra Bank 811 #DreamDifferent available on other networks?
Yes, it's also issued on Visa. Kotak also issues 811 on RuPay, which can be linked to UPI apps for QR payments against the credit line (not possible on Visa). Fees, eligibility, lounge access, and reward rates are otherwise identical across both networks.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
₹
4x points
₹
1x points
Estimated annual value—
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