{
  "id": "kotak-811-credit-card",
  "locale": "hinglish",
  "name": "Kotak 811 #DreamDifferent Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free / LTF)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "2 RP / ₹100 online · 1 RP offline · FD-backed 100% approval",
  "bestFor": "Credit score building, zero income proof approval & Kotak 811 account holders",
  "officialLink": "https://www.kotak811.bank.in/credit-cards/811-dream-different-credit-card-against-fd",
  "affiliateId": "kotak-811-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak811.bank.in/credit-cards/811-dream-different-credit-card-against-fd",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — 811 DreamDifferent schedule of charges",
    "Kotak 811 — Fixed Deposit backed credit card issuance terms"
  ],
  "feeWaiver": "Lifetime Free — Zero annual fee forever",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 Lifetime Free"
    },
    {
      "key": "FD Requirement",
      "value": "Min ₹10,000 FD"
    },
    {
      "key": "Credit Limit",
      "value": "Up to 90% of FD"
    },
    {
      "key": "Approval Rate",
      "value": "100% Guaranteed"
    },
    {
      "key": "Income Proof",
      "value": "None Required"
    },
    {
      "key": "CIBIL Check",
      "value": "Zero CIBIL needed"
    }
  ],
  "earnRates": [
    {
      "category": "Online E-Commerce Spends",
      "rate": "0.5% (2 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 RP (₹500 value)"
    },
    {
      "category": "Offline Physical Retail Spends",
      "rate": "0.25% (1 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 RP (₹250 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Annual Spend Milestone (₹75,000 spend)",
      "multiplier": "Milestone",
      "rate": "₹750 Cashback",
      "monthlyCap": "Annual threshold",
      "dailyCap": "—",
      "note": "Ya 4 free PVR movie tickets."
    },
    {
      "channel": "Welcome Milestone (₹5,000 in 45 days)",
      "multiplier": "Welcome Bonus",
      "rate": "500 Bonus RP",
      "monthlyCap": "One-time",
      "dailyCap": "—",
      "note": "Worth ₹125."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.25 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Card cancel kiye bina FD break karna."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18+ years (Resident Indian)"
    },
    {
      "criteria": "Fixed Deposit",
      "requirement": "Kotak Fixed Deposit of ₹10,000+"
    },
    {
      "criteria": "Income / CIBIL",
      "requirement": "Zero income proof & zero CIBIL required"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}