811# Dream Different Credit Card

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811 Dream Different Credit Card from Kotak is a secured paperless credit card. It's in align with their aim of offering complete digital platform.811 provides a credit limit of 90% of the FD. 

Features

Welcome Benefit

  • 500 RP on spends of 5000 within 45 days of card setup. 
  • 2 Reward Point for Online spends.  1 RP for other spends.
  • 1% Fuel Surcharge waiver (Max 3500/year). Also avail Railway surcharge fee at IRCTC Website and at counters. 
  • No reward points for fuel and railway spends. 

Milestone Benefit

  • Enjoy 750 cashback for spends of 75000 annually,that is benefit of 1%.  Available within 3 months of anniversary. 
  • Alternative you can redeem for 4 PVR tickets once you are eligible. 

Interest Free Cash Withdrawal

  • 811# offers a interest free cash withdrawal of 90% of limit upto 48 days. But processing charge of Rs 300 per 10000 withdrawal is charged. 

Fee

  • No Joining or Annual Fees

Eligibility

  • FD of Rs. 5000 for 811 customers. Rs 9000 for others.

Verdict 

It's a decent card for those trying to build their Credit Score with secured cards. Provides decent returns of 1- 1.5% if you can spend 75000 annually. 



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