Kotak 811 #DreamDifferent
EntryLifetime freeKotak Mahindra Bank
Where it ranks · across all 71 cards
#54 Online shopping0.5%direct#53 Food delivery0.5%direct#54 Fashion0.5%direct
Devaluation history
- 2026-04-01 - Reward Points Program discontinued 1 Apr 2026 (MITC); points expire after 30 Sep 2026. Cashback program starts from the Sept 2026 billing cycle - paid into a Kotak savings account and requires paying the card via Kotak digital channels; structure not yet published. Card renamed "Dream Different" (a separate cheaper "Kotak 811 Credit Card" also exists - do not conflate).
Reward rules
Points valued at ₹0.25/pt - conservative, what rankings use
Base rate - everything not covered below
1 pt / ₹100= 1 pts per ₹100
0.25%
conservative value
2 pts / ₹100 on online spends
2 pts / ₹100= 2 pts per ₹100
0.50%
conservative value
FD-backed lifetime-free card. Fuel & railway transactions earn nothing (surcharge waivers apply instead).
Source: Kotak 811 #DreamDifferent FAQs (kotak.bank.in) · 2026-08-21
Earns nothing on
- ⊘ Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.4900481448994812bank MCC list→ use Airtel Axis Bank here (10.0%)
- ⊘ Insurance MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.5960630063816399bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Wallet loads excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.6540bank MCC list→ use SC Ultimate here (3.3%)
- ⊘ Rent excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ Government MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.922292239311939994029405bank MCC list→ use PVR INOX Kotak here (3.0%)
- ⊘ Fuel MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.5172554155425983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
- ⊘ Education MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.821182208241824482498299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ Online skill-based gaming excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.5816bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
- ⊘ EMI transactions excluded from rewards and milestone spends (MITC).