Kotak 811 #Dream Different Credit Card card with no joining and annual fees

Kotak 811 #DreamDifferent Credit Card

Best for students or who don’t have cibil score yet. You can get the credit card with limit of 12k if you open the FD with 15k amount. Basically you will get 80% of FD amount as credit limit.

https://www.kotak.com/en/personal-banking/cards

Enjoy the benefits of interest free cash withdrawals,rewards on all purchases, a credit limit up to 80% of your term deposit amount and a free Credit Card for life – all with the Kotak 811 #DreamDifferent Credit Card

Reward Points

• Earn 2 reward points against every Rs. 100/- of online spends
• Earn 1 reward point against every Rs. 100/- of other* spends
• Activation Offer
• Earn 500 bonus reward points on – Activation + Rs. 5000/- spends in the first 45 days of card set up#.

Interest free cash withdrawal

• You can withdraw cash up to 90% of your total credit limit.
• Processing fee of Rs. 300 per Rs. 10,000/- withdrawal
• 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
• 811 #DreamDifferent Shield
• In case your Credit Card is stolen, you get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre-reporting
• You are required to immediately call Customer Contact Centre (1860 266 2666) and get your card deactivated / blocked to prevent misuse and register a claim with the Insurance Company.

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. 3000/- (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 811 #DreamDifferent Credit Card.
• Explore more credit card options that best suit your needs.
• The new reward structure is applicable effective 15th June 2020 onwards

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 June 2020 will remain unaffected.

#The activation offer is applicable for all cards which are issued on and after 15th June 2020.

Note:
Aqua Gold Credit Card has been rebranded to 811 #DreamDifferent Credit Card effective 15th July 2020 onwards.