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.
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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.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- No income proof needed
- FD-backed route for building first credit history
- Lifetime free
Watch out for
- Needs a fixed deposit of at least ₹10,000
- Low rewards
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.