Kotak Mahindra · Starter
Kotak 811 #DreamDifferent
standard 1pts/₹100 on Online Shopping
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The bottom line
First-year value
+₹2,472.00
incl. joining fee
Ongoing / yr
+₹2,472.00
no annual fee
Fee payback
No fee
free forever
Why it fits: your spend is 36% in this card's accelerated categories — strongest on Travel & Lifestyle, worth roughly 1 lounge visits worth of value.
Estimated on an illustrative spend profile. Use the calculator below to match your own.
What would this card earn you?
Monthly spend₹82,400
₹32,960Your spend₹1,64,800
Annual reward
₹2,472
Annual fee
Free
Net value
+₹2,472
View category breakdown
Travel & Lifestyle₹735/yr@ 1pts/₹100
Dining₹456/yr@ 1pts/₹100
Online Shopping₹444/yr@ 1pts/₹100
Groceries₹339/yr@ 1pts/₹100
Bills & Utilities₹216/yr@ 1pts/₹100
Fuel₹192/yr@ 1pts/₹100
Entertainment₹90/yr@ 1pts/₹100
Reward rates
Online Shopping1 pts/₹100
Dining1 pts/₹100
General1 pts/₹100
Point value used in our estimate₹0.25/pt
CashPoint statement redemption · High confidence. Registry reviewed quarterly -- last 2026-05-01, next 2026-08-01.
Key facts
Annual fee
Free
Joining fee
Free
Interest (p.m.)
3.5%
Forex markup
3.5%
Domestic lounge
None
Intl lounge
None
Fuel waiver
1% (₹3,500/yr cap)
Min CIBIL
680+
Key Fact Statement
As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data
RBI KFS
| Parameter | Value | Note |
|---|---|---|
| Loan/credit product | Kotak Mahindra Kotak 811 #DreamDifferent Credit Card | Product name |
| Annual Percentage Rate (APR) | 42.00% p.a. | Effective cost of credit on outstanding balance |
| Monthly finance charge | 3.50% per month on outstanding | Applied after interest-free period lapses |
| Interest-free period | Up to 50 days (if full due paid by due date) | No interest when bill settled in full each cycle |
| Annual fee / joining fee | Nil | Charged on first statement and each anniversary |
| Minimum amount due (MAD) | 5% of total outstanding or ₹200 (whichever is higher) | Paying only MAD incurs finance charge on remaining balance |
| Late payment charge | ₹100–₹1,300 depending on outstanding amount | Levied if MAD not paid by due date |
| Cash advance fee | 2.5% of amount or ₹500 (whichever is higher) | Plus finance charge from day of withdrawal |
| Forex markup fee | 3.50% on international / foreign-currency transactions | Over and above the card network exchange rate |
| Over-limit fee | 2.5% of over-limit amount or ₹550 (whichever is higher) | If spend exceeds sanctioned credit limit |
| Representative example | ₹10,000 outstanding for 12 months at 3.50%/month = total repayable ₹12,418 (APR 42.00%) |
Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.
Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.