KOTAK
Kotak 811 #DreamDifferent
Standard card · no annual fee · 3.5% forex markup.
Strong for lounge access (0/year) and no annual fee · Weak for high forex (3.5%)
2 pts/₹100 base earn
Good for
- Fee-sensitive users
- Airport lounge users
Not ideal for
- International spenders
Spend context
- Estimated monthly rewards: ~₹1,000/month (base rewards)
- Forex cost ~₹1,750 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹0
No annual fee on file.
Lounge
None (domestic)
Forex
3.5%
Limited support — verify with issuer
Reward rate
2 pts/₹100
Above median base earn (2% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- None
- International visits
- Not included
International Use
- Forex markup
- 3.5%
- Product tier
- Standard
Fees
- Annual fee
- ₹0
- Joining fee
- ₹0
Rewards
- Points per ₹100
- 2 pts
- Point value
- ₹1
- Effective earn
- 2% (at stated point value)
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