Enjoy a lifetime-free credit card
Grab milestone benefits up to Rs.1,000
Build your credit score along the way
Get Free OTT play & Rs.250 Gift voucher
No CIBIL score required
No credit checks, no income proof - just swipe and enjoy with Kotak811 Dream Different Credit Card.
Your credit limit, your choice
Choose your credit limit by linking multiple FDs to your Credit Card.
Tap, Scan & Pay with UPI on RuPay Credit Card
Experience seamless payments with your RuPay card on UPI- easy, fast & secure.
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Experience seamless payments with your RuPay card on UPI- easy, fast & secure.
Rewards crafted for you
Credit Card that gives back
- Lifetime free credit card
- Fuel and railway surcharge waiver
- An add-on card with all the existing benefits
Dream Different Credit Card: All You Need to Know!
The Dream Different Credit Card is an FD-backed card, which means it is issued against a Fixed Deposit. Your credit limit is 90% of your FD amount. So, you can easily increase your credit limit by linking multiple FDs to your card.
The best part is that your credit card bill won't affect your FD or Savings Account balance, as long as you pay your bill on time. You will continue to earn high interest on your FD with timely payments, which will also improve your CIBIL score.
Card Highlights
Add FDs to increase your card’s credit limit
Pause or upgrade your credit card anytime
Features & Benefits
Affordable FD Amount
People having individual fixed deposit of a minimum of Rs.10,000.
Credit Limit
The credit limit offered on secured credit cards is 90% of the deposit amount.
No Documentation
You do not need any documents to avail a Credit Card.
Minimum Tenure
The minimum tenure of the fixed deposit should be 181 days
Rewards and Cashback
Cardholders can earn reward points or cashback on purchases made using the card.
Interest on fixed deposit
Even while using your fixed deposit as collateral, you'll continue earning interest. It can be a great way to earn extra money while building your credit history.
Dream Big, Spend Smarter!
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Frequently Asked Questions
Dream Different Credit Card is an FD backed Credit Card. You continue to enjoy the interest rate on FD as well as rewards on your Credit Card.
You can check your payment dues & repay via Kotak811 Mobile Banking App. Your Credit Card dues are not adjusted against your FD.
You can increase your Dream Different Credit Card limit via linking multiple FDs: Go to Kotak811 Mobile Banking App > Credit Card Section > Increase Credit Limit
Since this is an FD backed Credit Card you cannot withdraw your FD. Your FD continues to earn interest while you can make all your spends on the Credit Card.
