All credit cardsRates verified 15 Jun 2026Apply on Kotak Mahindra Bank
Kotak Mahindra Bank
Kotak 811 #DreamDifferent
Visa
Kotak 811 #DreamDifferent
Kotak Mahindra Bank · Visa
Quick answer
Kotak 811 #DreamDifferent by Kotak Mahindra Bank has an annual fee of zero (lifetime free) and APR of 42%. Best for students and first-card. Pay the full bill every month — carried balances cost far more than any reward.
We may earn a commission if you apply through this link. It never changes what we recommend.
Joining fee
Free
Annual fee
Free
Forex markup
4%
APR
42%/yr
Fee waiver: Lifetime free
What you earn
- 1%1 point per ₹100 spent
Lounge access
No domestic lounge access
Who it's for
Minimum income — none needed · no income proof required. For student, any.
What's great
- No income proof needed
- Good for building first credit history
- Lifetime free
Watch out for
- Low rewards
- Often issued against a Kotak account
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.