Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
Lifetime FreeCashback
Best for: Zero-fee online cashback card
₹0
Annual Fee
Lifetime free
2%
Effective Reward
Visa
No
Lounge Access
Not included
3.5%
Forex Markup
On intl. spends
Reward Rate
Effective Return2%
2% cashback on online spends; 1% on offline
Key Benefits
Lifetime free card
2% cashback on all online transactions
1% cashback on offline spends
Fuel surcharge waiver
Pre-approved in minutes via 811 app
Welcome Bonus
₹500 cashback on ₹5,000 spend in first 45 days
Card details verified 2026-04 from Kotak Mahindra Bank official website. Fees and benefits may change. Always confirm before applying.
Fees & Charges
At a Glance
Lounge Access
Not included
Fuel Surcharge
Waived at all pumps
Forex Markup
3.5% on intl. spends
Min. Income
₹3L/year
Last Verified
2026-04