Thanks to tech, things have become easier, particularly when it comes to accessing financial services, and credit cards are no different. What took days now takes minutes and what needed waiting at a bank, now takes a phone and internet connection. 

Neo-banking platform Kotak811 ensures banking isn’t a hassle and curates all its products towards this effect. For its UPI enabled FD credit card i.e. the 811 DreamDifferent Credit Card, applicants don’t need a job, previous employment history, or even a credit profile for that matter. 

It’s Not just Easy; It’s Effortless 

The Dream Different credit card from Kotak 811 requires customers to have a savings account with Kotak811. Opening an 811 account takes only 3 minutes with an Aadhaar and PAN Card on the 811 app or website. Existing 811 customers simply need to log into their app and open the FD in minutes. After this, they can immediately apply for the lifetime free DreamDifferent credit card to enjoy these benefits: 

• UPI Enabled: Seamlessly link the card to a UPI account via the Kotak811 App or UPI platform.
• Scan & Pay: Utilise the card for Scan & Pay transactions across various UPI apps.
• Flexible Credit Limit: Set a monthly credit limit of up to 90% of the deposited value across all linked FDs.
• Increase Credit Limit: Increase credit limit by booking additional FDs and linking them to the card.
• Fuel Surcharge Waiver: Enjoy a 1%* fuel surcharge waiver on fuel purchases to save money with every litre.
• Interest-Free Cash Withdrawal: Access interest-free cash withdrawals for up to 48 days.
• Turn Big Purchases into EMIs: Convert large purchases into easy EMIs, with flexible repayment options.
• No Joining and Annual Fees: Benefit from no upfront or recurring charges, making the card cost-effective.
• Welcome Benefit: Receive ₹1,000 worth of vouchers on qualifying spends within the first three months of card activation.
• Reward Points on Online Transactions: Earn reward points for every ₹100 spent online. 
• No Expiry of Reward Points: Enjoy the convenience of redeeming accumulated reward points with no expiration date.
• Milestone Benefits: Earn Amazon vouchers based on spending milestones. 
• Repayment via Kotak811 App: Conveniently repay your credit card dues through the Kotak811 Mobile Banking App.
• FD Earning Continuity: Linked FDs continue to earn interest, ensuring sustained growth of your deposited funds.

To get the DreamDifferent Credit Card, existing customers can open an FD instantly on the Kotak811 app and apply for the credit card. If a customer already has an FD with Kotak811, they can simply use the app to apply for the FD backed credit card.

Those who aren’t customers already can simply download the 811 App, open their account in 3 minutes, book an FD after that on the app and apply for the card on the same platform. It’s that easy. 

Financial Freedom at its Finest 

The Kotak811 DreamDifferent Credit Card isn’t just a card—it’s a gateway to building a solid credit profile and unlocking better financial opportunities in the future. Customers with no credit score can try it out for themselves by doing a free CIBIL score check some months after using their card, as long as they are responsible with other credit they may have taken. 

With Kotak811, accessing the DreamDifferent Credit Card is easier than ever before. No unnecessary complexities of traditional banking, just a future full of simple yet beneficial financial management. Join the Kotak811 revolution today and experience banking reimagined.