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Kotak
entry
•••• •••• •••• 0000
811 #DreamDifferent
VISAKotak Mahindra Bank • Visa• Entry
Annual Fee
Free
Base Reward Rate
0.25%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,998
Blended 0.32% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Secured credit card issued against a Fixed Deposit of Rs.10,000+; no income proof required. Lifetime free (no joining/renewal fee). No reward points on cash withdrawals, fuel, and railway transactions. Welcome benefit (one-time): 500 bonus reward points on spending Rs.5,000+ in first 45 days.