# Kotak 811 #DreamDifferent

Kotak Mahindra Bank · Visa. lifetime free · 2% forex · 1 RP/₹100 offline, until 31 Mar 2026 (the points programme ended).

verified · checked 3 July 2026 · Source: https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/811-dream-different-credit-card.html

## How it earns (2)

- 1 RP/₹100 offline, until 31 Mar 2026 (the points programme ended) · until 31 March 2026 · ✓ official · checked 2 October 2026
- 4 RP/₹100 online, until 31 Mar 2026 (the points programme ended; a cashback programme starts with the Sep 2026 cycle) · online · until 31 March 2026 · ✓ official · checked 2 October 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP: fuel, railways, rent (+fee), wallet, insurance, govt, education, gaming · 1% fee on wallet loads above ₹10K/cycle and on education paid via third-party apps

## Milestones (2)

- ₹250 voucher @ ₹36K anniversary-year spend (excluded categories don't count) · ₹250 at ₹36,000 spend per card year · verified · checked 3 July 2026
- ₹1,000 Amazon voucher @ ₹72K anniversary-year spend · ₹1,000 at ₹72,000 spend per card year · verified · checked 3 July 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: 2%
- DCC markup: 2%
- Earns: Kotak Zen Points · ₹0.2 a point at baseline

## Dated changes (2)

- Fee change · 1 September 2026: Kotak Dream Different charges a 424 rupee joining fee from 1 September (https://getbrief.cards/changes#kotak-dd-joining-2026-09)
- Devaluation · 1 April 2026: Kotak Dream Different stopped earning reward points (https://getbrief.cards/changes#k811dd-rp-end-apr26)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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