KOTAK
Kotak Mahindra Bank 811 #DreamDifferent Credit Card
Standard card · No lounge access · no annual fee · 3.5% forex markup.
- High rewards 2 pts / ₹100 on General spend
- No annual fee No annual fee
Annual fee ₹0 lifetime free
Forex markup 3.5% high
Lounge access 0 no lounge
Rewards / ₹100 2 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹0
- Joining fee
- ₹0
- Forex markup
- 3.5%
- Lounge access
- No lounge access
- Reward rate
- 2 pts / ₹100
What you'd do with it
- Less suited to international transactions because forex markup is 3.5%.
- Good for everyday domestic spend if you want to avoid annual fee drag.
- Competitive for day-to-day rewards with an estimated base return around 2.0%.
Best for
- High rewards
- No annual fee
Not the best for
- High forex markup (3.5%)
- No domestic lounge access
Still worth it?
Evidence-backed snapshotGood fit if
- No annual fee is on file.
- Reward earn and value are both on file.
Watch out for
- Forex markup is 3.5%, so frequent international spends may be costly.
- No lounge access is on file.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn)
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- No lounge access
- International visits
- Not available in current snapshot
Rewards
- Points per ₹100
- 2 pts
Fees & charges
Fees
- Monthly interest rate
- 3.5% / month
- Annual fee
- ₹0
- Joining fee
- ₹0
International Use
- Forex markup
- 3.5%
- Product tier
- Standard
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The fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹0.
- Forex markup currently listed at 3.5%.
- No lounge access is on file in the latest refinery snapshot.