Kotak Dream Different (Visa) credit card credit card
Joining Fee:

₹250 +GST

Return Percentage:

NA

Credit Card Overview

A lifetime-free, FD-backed credit card designed to help you start or rebuild your credit history with basic rewards on everyday spends

Best Suited For:

Kotak logoKotakVisa

Fees and charges at a glance

Annual fee
Free

Nothing to pay each year

Joining fee
₹250

Paid once when you get the card, plus GST

Forex markup
0.035%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Kotak Dream Different (Visa) credit card — Earn Categories

Everyday rate

  • Base Rewards1 Reward Points (reward points) / ₹100

1 more earning category on this card

We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Rent
  • Education
  • Online Gaming
  • Fuel
  • UPI
  • Railways
  • Utilities