Kotak Mahindra Bank · Entry · lifetime free
Kotak 811 #DreamDifferent
1 Sep 2026
Now a cashback card: 2% in months you spend ₹15,000+ on eligible purchases, up to ₹500 a month (₹200 on UPI, only through the Kotak811 app), at most ₹100 per purchase. Joining fee ₹424 + GST from 1 Sep 2026, 2% markup abroad. The card is now RuPay, so it works on UPI.
1 Apr 2026
The reward points programme ended on 1 Apr 2026, and points expire after 30 Sep 2026. Cashback replaces it from the September 2026 bill, paid into a Kotak savings account. The card is renamed Dream Different.
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Reward rules2 direct
Base rate - everything not covered below
0.00%base rate
0% cashback
source
Source: Kotak 811 Dream Different Credit Card cashback T&C (kotak811.bank.in) - kotak811.bank.in - read 28 Sep 2026
2% cashback (cycles with ₹15,000+ eligible spend)
2.00%this rule
2% cashback
how it works & source
Cashback is computed after the statement and must be claimed in the Kotak811 app within 30 days; paid only if the previous statement's minimum due was paid via Kotak app/net banking.
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
Via portals & vouchersdisplay, never ranks
2% cashback on UPI via the Kotak811 app
via kotak811 app · ₹200 per billing cycle on UPI, within the card's ₹500
source & note
UPI through third-party apps (GPay, PhonePe...) earns nothing - only UPI made in the Kotak811 app.
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
2.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on8 exclusions
Fuel
earns nothing
Fuel earns no cashback and does not count toward the ₹15,000.
→ use FIRST Private here (6.6%)
detail & source
categories: Fuel · MCCs: 5171, 5541, 5981
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
Rent
earns nothing
Rent earns no cashback and does not count toward the ₹15,000.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
Wallet load
earns nothing
Wallet loads earn no cashback.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
Insurance
earns nothing
Insurance earns no cashback.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300, 6381
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
Gaming
earns nothing
Gaming apps, betting and lotteries earn no cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Gaming · MCCs: 7995, 7800, 7801, 7802
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
Jewellery & watches
earns nothing
Gold purchases earn no cashback (the T&C excludes gold; jewellery is treated the same here, conservatively).
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
EMI
earns nothing
EMI transactions earn no cashback.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026
MCC 5169, MCC 5085 +23 more
earns nothing
Business-to-business, money transfer, financial-institution, wholesale-club and other listed MCCs earn no cashback.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 5169, 5085, 5199, 2842, 5122, 5039, 5198, 7375, 5051, 5021, 5046, 5099, 7395, 8734, 5044, 5074, 2791, 7273, 5723, 6012, 6010, 4829, 6051, 8651, 5300
Source: Kotak 811 Dream Different Credit Card cashback T&C - "Cardholders will earn 2% cashback on eligible transactions"; ₹15,000 minimum eligible spend per billing cycle; caps ₹500/cycle, UPI ₹200/cycle, ₹100 per transaction - kotak811.bank.in - read 28 Sep 2026