Kotak 811 Dream
Kotak · Entry · Visa
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
None
Best Rate
1%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
🛒Online Shopping
1%
🍽️Dining
0.5%
✈️Travel
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
⛽Fuel
0%
How Points Work
4 pts/₹100 online (1%), 2 pts offline (0.5%) · 1pt = ₹0.25 · 10K pts/mo cap · Fuel excluded
Key Benefits
Lifetime free1% onlineEasy approvalGood starter card
PROS
✅ Free forever
✅ 1% online cashback
✅ Easy approval for beginners
CONS
⚠️ 0.5% offline
⚠️ 10K points/month cap
⚠️ No lounge/perks
⚠️ Fuel excluded
Affiliate links coming soon
🐛 See something wrong with Kotak 811 Dream? Report an updateWant to compare this card?
Go to Compare Tool →