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Kotak Mahindra Bank
Kotak 811 #DreamDifferent (FD-backed)
Entry levelPointsLifetime freeFD-backedVisaPending re-check
Joining fee
Free
Annual fee
Free
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓Lifetime free
- ✓Get it against an FD of ₹10,000+
- ✓No income proof or credit history needed
Watch out for
- !Low rewards — it's for building credit
Rewards
| 2 points/₹100 online | 0.5% | no cap |
| Everything else (base rate) | 0.25% | no cap |
No rewards on: Fuel, Rent, UPI payments at shops
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Eligibility
- Requirement
- A fixed deposit with the bank — no income proof or credit history needed
- Age
- 18+ years
- First-time applicants
- Friendly
Income figures are indicative; banks decide case by case.
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