Kotak 811 Credit Card 2025
Save over ₹12,000+ every year with 4% online + zero fees + FD interest!
India’s best secured card! Kotak 811 #DreamDifferent is lifetime free, gives 4 RP/₹100 on all online spends, 90% credit limit on FD, 48-day interest-free cash, and earns FD interest.
Perfect for credit building & online shoppers!
Why Choose Kotak 811 in 2025?
LTF • 4% online • 90% FD limit • Fuel + Railway waiver • No income proof
Best for: Credit beginners, students, low/no score
Card At a Glance
Nil
Nil
4% Online | 1% Offline
90% of FD (₹10K min)
1% (max ₹3,500/year)
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (LTF) |
| Milestone Benefit | ₹750 voucher on ₹75K spend |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel + Railway Waiver | 1% (max ₹3,500/year) |
| Cash Advance Fee | Nil (48 days free) |
Detailed Reward Rates (2025)
- 4 RP/₹100 on online spends
- 1 RP/₹100 on offline spends
- No expiry on reward points
- Redeem for vouchers, airmiles, merchandise
- ₹750 voucher every ₹75K spend
Airport Lounge Access
No complimentary lounge access – Focus on rewards & zero fees
Insurance & Protection Benefits
- Lost card liability ₹50,000
- Zero fraud liability
- FD continues to earn interest
- UPI-enabled RuPay variant
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime completely free | FD locked for 181 days |
| 4% on all online spends | No lounge access |
| No income proof required | 3.5% interest rate |
| 90% credit limit on FD | Basic offline rewards |
| 48-day interest-free cash | |
| Excellent credit builder |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- FD Amount: Minimum ₹10,000 (181 days)
- No minimum credit score
- Documents: PAN + Aadhaar
How to Apply Online (5-Minute Process)
- Open Kotak 811 app / website
- Create FD of ₹10,000+
- Apply for 811 #DreamDifferent card
- Instant approval & virtual card
- Physical card in 7 days
Final Verdict – Should You Get It in 2025?
Best secured card in India! LTF + 4% online + FD interest = ₹12K+ value/year. Must-have for credit building & online shopping!
Frequently Asked Questions (FAQs)
FD interest milta hai?
Yes! Full FD interest continues.
4% online sab jagah?
Yes! All online merchants.
Credit score chahiye?
No! Even zero score wale ko mil jata hai.