Kotak Mahindra Bank Credit Cards
Mid-tier private bank; pioneered the 811 digital savings account + FD-backed CC route for thin-file applicants.
Kotak 811 #DreamDifferent (FD-backed) is the only ₹0-income credit card from a top-10 Indian bank.
Kotak Mahindra Bank's credit-card line is most distinctive at the entry tier: the 811 #DreamDifferent is FD-backed (pledge ₹15-25K as FD lien → get credit limit of 80-100% of FD value) and accepts ₹0 income proof, making it the cleanest first-card option for students and freelancers without ITRs. The League Platinum + White Reserve sit in the mid-tier; the Kotak Reserve and Mahindra are at the premium end. Reward-rate caps are conservative across the lineup.
All Kotak credit cards
Every Kotak Mahindra Bank card we track, ordered by editorial rating. Each entry links to the full review with reward-rate breakdown, fees, and our verdict.
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Customer care numbers
- 24×7 credit card
- 1860 266 2666 (mobile) / 1800 209 0000 (toll-free)
- Lost / stolen card
- 1860 266 2666 (option 2)
- Fraud reporting
- service.bank@kotak.com / 1860 266 2666
- service.bank@kotak.com
- NRI helpline
- +91 22 6204 2666
- Branch locator
- Find a Kotak branch →
Numbers and links sourced directly from Kotak Mahindra Bank's public help pages. Kotak may update contact options without notice — verify on the bank's website before any financially sensitive action.
Frequently asked questions
How does the Kotak 811 #DreamDifferent FD-backed credit card work?
What's the minimum salary for a Kotak unsecured credit card?
Where can I pay my Kotak credit card bill from a non-Kotak bank?
Compare Kotak with peers
Regulated by Reserve Bank of India.
Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.
Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.
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