Kotak 811 #DreamDifferent Credit Card

Benefits of using 811 #DreamDifferent Credit Card

Some of the benefits of using 811 #DreamDifferent Credit Card are given below:

1. Interest free cash withdrawal
   1. You can withdraw up to 90% of your total credit limit without having to pay any charges whatsoever.
   2. The first 48 days on cash advance will be interest free.
2. Balance Transfer
   1. A processing fee of Rs.349 is chargeable for every Rs.10,000 transferred.
   2. There will be no interest charged if you use your card for making fresh retail purchases.
   3. You can call the bank or Kotak Mahindra Bank Credit Card Customer Care to transfer your other credit card balances instantly.
3. Add-On Cards
   1. Your Add-on credit cards will have the same benefits as on your 811 #DreamDifferent Credit Card.
   2. You can track the spend made through each of your Add-On Cards separately.
   3. You can set the credit limit for your Add-On card as per your requirements.
4. Fuel and Railway Surcharge Waiver
   1. For every transaction across all petrol pumps in India ranging between Rs.500 and Rs.3,000 you will get a waiver of 1%, subject to a maximum of Rs.3,500 yearly.
   2. You will get a waiver of 1.8% for transactions made on the IRCTC website and 2.5% for booking tickets on the railway counters. Subject to a maximum waiver of Rs.500 yearly.
5. Reward Points
   1. For every Rs.100 that is spent online, 4 Reward Points will be provided. 
   2. For other spends, 1 Reward Point will be provided for every Rs.100 is spent.

Milestone Program

Apart from the rewards you will earn on making transactions using your 811 #DreamDifferent Rupay Credit Card, you will receive the below-mentioned Milestone offers:

1. If you spend Rs.36,000 in an anniversary year, you will receive an Amazon voucher worth Rs.250.
2. If you spend Rs.72,000 in an anniversary year, you will receive an Amazon voucher worth Rs.1,000.

There are two options under this program under which you will have to select only one. The milestone program options are as follows:

1. Redemption Option 1 - Get a cashback of Rs.750
   1. You have the option of claiming your cashback of Rs.750 once the anniversary year is over.
   2. If you claim the cashback, it will reflect in your next billing cycle.
2. Redemption Option 2 - Get 4 PVR tickets for free
   1. You can claim your 4 PVR tickets for free within the 3 months of the end of your anniversary year.
   2. Your free PVR tickets can be used for any show on any day and are transferable.
   3. You will be issued a Star Pass Code which can be redeemed if you are booking movie tickets online through the PVR Cinema website.

Kotak 811 #DreamDifferent Credit Card Eligibility Criteria

Given below are the eligibility criteria you will have to fulfil in order to apply for this credit card:

1. The minimum and maximum age of eligibility is 18 years and 75 years respectively. Add-on card holders should be 18 years old and above.
2. The cardholder should be a resident of India.
3. Minimum Fixed Deposit (FD) amount of Rs.5,000.
4. Only individual FDs are allowed in order to apply for the card.

Fees and Charges for Kotak 811 Credit Card

Kotak 811 #DreamDifferent Credit Card Value Chart

Given below is the total money you must save if you use the card and avail the benefits offered:

How to Apply for Kotak 811 #DreamDifferent Credit Card

Given below is the process you will have to follow to apply for 811 #DreamDifferent Credit Card:

1. Visit the official website of Kotak Mahindra Bank.
2. On the main page, under 'Explore Products', go to 'Cards' under which you will have to click on 'Credit Cards'.
3. You will be then shown a list of credit cards offered by the bank, under which you will have to click on 811 #DreamDifferent Credit Card if you want to know about the benefits offered by clicking on 'Know More'.
4. If you want to apply for the card, click on the 'Apply Now' button.
5. Enter the details and click on 'Apply Now'.
6. You will have to submit the necessary documents after which the bank will verify them along with your application form. If they are in order, the bank will approve your application for the credit card and dispatch the card to your communication address.

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