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Kotak · entry tier
Kotak 811 #DreamDifferent
First-time credit card users / FD-backed approval
Joining fee
FREE
Annual fee
FREE
Base rate
0.5%
Expert rating
6.5/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹5,900
Fees-₹0
Net annual value+₹5,900
Value breakdown
online (1.5%)+₹3,600
Base rate (0.5%)+₹1,800
Welcome benefit+₹500
— Highlights
- Lifetime free
- No income proof needed (FD-backed available)
- Good for credit building
— Reward rates
Earn by category
online
1.5%
2X on online