<p style="text-align: justify;">In today&rsquo;s world, UPI has become the most popular way to pay-fast, easy, and accepted everywhere. But what if your credit card could work just like UPI? That&rsquo;s exactly what the Kotak811 Dream Different RuPay Credit Card offers. It&rsquo;s a unique <a href="https://www.kotak811.com/credit-cards/811-dream-different-credit-card-against-fd" target="_blank" rel="nofollow noopener"><strong>RuPay credit card</strong></a> backed by a Fixed Deposit, offering simple, flexible and rewarding credit access without the need for complicated paperwork.</p>
<h3 style="text-align: justify;">Why It&rsquo;s Different?</h3>
<p style="text-align: justify;"><strong>1. Easy to Get &ndash; No Income Proof Needed</strong></p>
<p style="text-align: justify;">You don&rsquo;t need to share salary slips, bank statements, or credit history. All you need is a Kotak811 Savings Account and a Fixed Deposit. It is perfect for First-time credit card users, students, homemakers and anyone taking first step into the world of credit. Your FD continues to earn interest. Your credit limit is based on your FD up to 90&#37 of its value. You can even link multiple FDs to increase your credit limit. Best of all there is no joining fees &amp; no annual charge.</p>
<h4 style="text-align: justify;">2. Make UPI Payments Using Credit</h4>
<p style="text-align: justify;">Unlike most credit cards, this one works with UPI apps (thanks to the RuPay network). You can:</p>
<ul style="text-align: justify;">
<li>Scan any QR code and pay using your credit card</li>
<li>Use credit for groceries, dining, fuel, or daily shopping</li>
<li>Enjoy tap-to-pay and contactless transactions</li>
</ul>
<h4 style="text-align: justify;">3. Rewards That Truly Add Up</h4>
<p style="text-align: justify;">You will earn 4 reward points for every ₹100 spent online, and your points never expire. Save them up and redeem them whenever you want.</p>
<h4 style="text-align: justify;">You also get:</h4>
<ul style="text-align: justify;">
<li>A welcome offer: 3-month free OTT subscription at ₹1 + ₹250 gift voucher</li>
<li>Milestone benefit worth ₹1,000</li>
<li>Surcharge waivers on fuel and railway bookings</li>
<li>Add-on cards for your family</li>
</ul>
<h3 style="text-align: justify;">Start Your Credit Journey, the Smarter Way</h3>
<p style="text-align: justify;">Whether you&rsquo;re building credit for the first time or just want more from your everyday spending, the Kotak811 Dream Different RuPay Credit Card is built for you. It&rsquo;s simple, secure, and packed with benefits-without any complicated steps.</p>
<p style="text-align: justify;">Apply today and unlock credit on your terms.</p>
<p style="text-align: justify;">Disclaimer: Issuance of Credit Card is at the sole discretion of Kotak Mahindra Bank Ltd. All features and benefits are subject to credit card T&amp;C.</p>

You don’t need to share salary slips, bank statements, or credit history. All you need is a Kotak811 Savings Account and a Fixed Deposit.

Kotak811’s Dream Different RuPay Credit Card Brings Flexibility, UPI Payments and Exciting Rewards

Why It’s Different?

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Home / Buzz / Article / Kotak811’s Dream Different RuPay Credit Card Brings Flexibility, UPI Payments and Exciting Rewards

Kotak811’s Dream Different RuPay Credit Card Brings Flexibility, UPI Payments and Exciting Rewards

Why It’s Different?

Other Articles

Mid-Day Fast