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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.
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Minimum 15k ka FD v karna padega 😂
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
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.
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 ?
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 & …
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
It’s Overdraft card & not Credit card 
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.
Which is best credit card for 0₹ annual payment.
onecard , unicrad , slice
Can I open FD for 6 months, and get LTF CC
1— what will be annual charge after 1 year ?
2 — So opening FD of 15k, can I deposit more money later in that account ? is this FD only ? or FD+SAVING ?
1. It’s free for lifetime according to link mention in post . Open link go to fees & charge
2. Since last 2 year I am using Kotak as saving account only. Yesterday saw the banner so created first ever fd in Kotak ( u can see intrst rate of kotak fd on Google , I recommend 1 year 1 month since it have 5.3% intrst or something like this ). Yes u can deposit any amount in saving account.
Note – I opened 811 2-3 years ago and converted it into full kyc account when mini kyc got expired. So I am assuming it’s for full kyc user not for mini kyc user.
You Can Get Credit card in any bank by applying for FD .. Its not special
+ You have to give that card when you’ll close your FD
Already have similar Credit card from Kotak (Aqua Gold Card), taken just to build credit score. Looks like they stopped this card and introduced Kotak 811 card.
@ OP you forgot to mention milestone program, 750 cashback on 75000 spends.
If you have to take card against FD, then better go for SBI Simplyclick.
Sbi simplyclick card is free for lifetime like this card ?
500 rs charge if no annual 1lk + transaction but offer are best out of my 6 credit cards
ICICI Bank also offers similar credit card.
I have already applied for INSTA SAVING+FD on ICICI last week for debit+credit card.
Is Kotak 811 CC beter than ICICI ?
1. LIC Axis
2. Amazon ICICI
3. HSBC Platinum
4. Indusland Aura Edge
5. ICICI Platinum
go for LIC AXIS
http://www.liccards....n/
Will I get FD interest?
obviously yes
I m new to cc can any one tell me do I have to pay any yearly or any other charges if I avail credit and pay on time ll it charges on my spends or is it free #kotak 811 FD cc
I am using SBI SimplyClick, Its simply amazing. I am using this for last 3-4 years. As i get Rs 500 amazon voucher on collecting 2000 points. We can buy items of our choice. But in Kotak 811 ThinkDifferent Credit card has no such benefits. both of these cards are on FD. Not sure, it will give a bad impact on CIBIL. BTW, i don’t require Kotak card but bank personals insisted me that i can withdraw cash from ATM without paying Interest rates for 48 days. Isn’t a fair deal?
someone is back from his cave to Earth’s surface 😅
Welcome back!
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