Lifetime free Credit Card with no annual charges
Earn high interest on your FD
Choose your credit limit
Enjoy exciting welcome benefits & rewards
Credit Card for everyone
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.
Rewards crafted for you
Expect no nightmares
- Credit Card against FD
- No hidden costs
- Lifetime free credit card
- Credit limit disclosed upfront
Dream Different Credit Card: All You Need to Know!
Are you struggling to obtain a credit card due to a low credit score or insufficient credit history? If this is the case, you could always consider going in for a credit card against FD (fixed deposit).
An FD-based credit card requires a minimum fixed deposit as collateral, which makes it attainable even if you have little to no credit history. In fact, using one can help build your credit score while offering numerous features and benefits.
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.5,000.
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 six months
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
Disadvantages of secured credit cards include lower credit limits (typically 75-90% of the FD amount) and the requirement to maintain a fixed deposit with the issuing bank.
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 #DreamDifferent Credit Card 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. Standard charges
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