Hot Deal Kotak 811 #Dream different credit card with no joining and anual fees

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Kotak 811 #Dream different credit card with no joining and anual fees
Deal Expired

https://www.kotak.com/en/personal-banking/cards...
811 #DreamDifferent Credit Card
Best for students or who don’t have cibil store 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.

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.

Expired 3 months
60 Comments  |  
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Copy paste without proper editing

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Deal Cadet
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Minimum 15k ka FD v karna padega 😂

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Deal Newbie
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Can we apply this credit card with 811 Digital Bank Account i.e. 0 bal account?

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vayush567 wrote:

Can we apply this credit card with 811 Digital Bank Account i.e. 0 bal account?

Yes but you need a fd of 15k minimum and credit limit is 80% of fd amount

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Deal Newbie
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I am not getting any option to apply this credit card. Did anyone tried?

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vayush567 wrote:

I am not getting any option to apply this credit card. Did anyone tried?

Here are the steps that you can follow to apply for an 811 #DreamDifferent Credit Card through the Kotak mobile banking app
Step 1: Login to your Kotak Mobile Banking app, in Apply Now section click on “Credit Card” to apply.

Step 2: You can check the different features of 811 #DreamDifferent Credit Card. Tap on ‘Continue’.

Step 3: Select your credit card delivery address from the options/addresses displayed on screen.

Step 4: If you are not a Director of any bank, tick the checkbox that reads ‘I am not a director of any bank’. Click ‘Confirm’.

Step 5: Choose the credit limit. The credit limit is 80% of your fixed deposit amount. The minimum amount of term deposits is Rs.15,000 and Rs.12,000 is the minimum credit limit. The maximum credit limit is Rs.12 lakhs.

Step 6: Set up fixed deposits. If you have FDs, you can choose from one of the existing fixed deposits and tap confirm. Please note that if you have FDs with a principal amount of less than Rs.15,000 or entered credit limit, the existing FD will not be shown in the list. Please see FD eligibility criteria for more details on eligible FDs.

If you don’t have a FD, you can open a new fixed deposit. Also, in case you don’t have enough balance in the savings account to fund your term deposits, you have the option to fund the account through a different savings account.
You can do real time funding using the “Pay through Debit Card / Net Banking” option.

Also, you can fund through NEFT / IMPS. View and download your Kotak account details and use it to add your Kotak bank as a payee in another bank. Also, you can share the details with family members and friends.

Step 7: After the account is funded, you can open a fixed deposit. Enter the details such as the debit from the account, type of deposit, tenure etc. Tap on confirm.

Step 8: Confirm the FD details and accept the terms and conditions page.
And you are done! You will receive an application reference number and the credit card will be delivered within 7 working days. Also, you will receive your credit card e-statements on your registered email.

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You don’t need an FD.
Kotak gave CC for my wife as business women without income proof on kotak 811 account basis.

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AppleFan wrote:

You don’t need an FD.
Kotak gave CC for my wife as business women without income proof on kotak 811 account basis.

How Bro Will U Explain ?

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Kotak Spammers!
I’ve had literally “Zero” rupees in my Kotak Savings Account for like 2 years and these guys spammed me (20 calls over a week or two from different sales persons..majority being women) that “They are offering LTF CC because i’m their privileged customer (seriously?)”

And Yeah..don’t believe their fake assurances like card is LTF and you will get 3L credit limit upon approval & …

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Basically, taking our credit and giving us 80% WITH ALL THE CONDITIONS

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PowerStar wrote:

How Bro Will U Explain ?

Open Kotak 811 & maintain 750+ CIBIL and they will spam you for a pre-approved CC

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vayush567 wrote:

Can we apply this credit card with 811 Digital Bank Account i.e. 0 bal account?

Min fd of 15k is needed

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getready wrote:

Open Kotak 811 & maintain 750+ CIBIL and they will spam you for a pre-approved CC

I Have Bro 811

CIBIL Also Good

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getready wrote:

Open Kotak 811 & maintain 750+ CIBIL and they will spam you for a pre-approved CC

How To Check CIBIL Score For Free ?

They Are Charging Monthly Plans In Official Site

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vayush567 wrote:

I am not getting any option to apply this credit card. Did anyone tried?

Yes I applied it yesterday after making fd of 15k within 7 days it will come.
Just open Kotak app there is banner click on it

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PowerStar wrote:

I Have Bro 811

CIBIL Also Good

Then wait…
but why do u need a Kotak CC? confused

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Deal Cadet
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PowerStar wrote:

How To Check CIBIL Score For Free ?

They Are Charging Monthly Plans In Official Site

Score are for those who do jobs / fill itr but for students this is best

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PowerStar wrote:

How To Check CIBIL Score For Free ?

They Are Charging Monthly Plans In Official Site

Paytm
& also banks like Bajajfinserv & HDFC offer free CIBIL score services for everyone (But there can be spamming*)

Edit: Paisabazaar, wishfin too

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COTTONCANDY wrote:

Basically, taking our credit and giving us 80% WITH ALL THE CONDITIONS

They are taking it but also giving intrest + those who don’t have score will get cc

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Deal Subedar
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PowerStar wrote:

How Bro Will U Explain ?

open 811 account and make transactions for 1,2 months.
They will start calling you for CC.

My wife took this CC just to build credit report

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getready wrote:

Then wait…
but why do u need a Kotak CC? confused

Yeah For NoCost EMIs Only sad

Actually I Need CC Bro But Still I Am Studying

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AppleFan wrote:

open 811 account and make transactions for 1,2 months.
They will start calling you for CC.

My wife took this CC just to build credit report

Thq Bro

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getready wrote:

Paytm
& also banks like Bajajfinserv & HDFC offer free CIBIL score services for everyone (But there can be spamming*)

Edit: Paisabazaar, wishfin too

Based On Ur Experience

Suggest Some Good CCs

LTF

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thebr0b wrote:

Score are for those who do jobs / fill itr but for students this is best

Thq

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It’s Overdraft card & not Credit card wink

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AppleFan wrote:

open 811 account and make transactions for 1,2 months.
They will start calling you for CC.

My wife took this CC just to build credit report

Using Kotak since 2 years , I do lakh+ transaction per month still no one called me lol

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netshopper wrote:

It’s Overdraft card & not Credit card wink

It’s credit card only
Since it’s eligible for all so they need a security in case someone is not able to repay hence they want a fd which will be intact until we keep on repaying.

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Pro DealHunter
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getready wrote:

Open Kotak 811 & maintain 750+ CIBIL and they will spam you for a pre-approved CC

mine is 756 , still amazon icici rejected twice , others not allowing , asking for fd of min 20k cry

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Which is best credit card for 0₹ annual payment.

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