811 #DreamDifferent Credit Card Fees and Charges, Avail Credit Card with Amazing Offers Online

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Fees & Charges

Fee & other Parameters	Kotak811 Dream Different Credit Card
Joining Fees	₹250 + GST (For FD amount below ₹20,000)
Annual Fees	Nil
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Addon card Fees	Nil
Interest Charges on outstanding Balances*	3.75% (Annualised 45%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	0.1
ATM Cash Withdrawal/Call a draft/Fund Transfer/Cash Advance per ₹10,000 or part thereof	₹100 for every instance of ATM withdrawal and Fund transfer
Late Payment Charges (LPC)	Due as per last statement	LPC charges
	Due as per last statement	0
	>=₹100	500
Over Limit Charge	₹0
Cheque Bounce Charges	2.0% on bounce amount or ₹500 whichever is higher
Foreign Currency Mark Up	0.035
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived
Fuel Surcharge (1% on transaction)**	Waived
Fee for Cash payment at Bank	₹100
Outstation Cheque Processing Fee	Waived
Reissue/Replacement Card (per issunace)	₹100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non-Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived (effective 10th Jan,2014)
Credit Limit Increase Processing Fee	Waived
Credit Limit Increase Processing Fee	w.e.f 15th April 2024 for new cardholders and 1st June 2024 for all existing cardholders, No charges will be applicable on Kotak811 Dream Different Credit Card
Rent Payments	2% of the Transaction Amount for all transactions done on MCC 6513
Rent Payments	w.e.f 15th April 2024 for new cardholders and 1st June 2024 for all existing cardholders, 2% of the Transaction Amount + GST will be applicable on Kotak811 Dream Different Credit Card
Pre-closure charges - Personal Loan on Credit Card	3% on outstanding principle
Pre-closure charges - Personal Loan on Credit Card
Please Note:
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card
*Maximum Railway surcharge waiver of ₹500 in a calendar year
** Fuel surcharge to be waived only for transactions between values of ₹500 - ₹3000. Maximum Fuel surcharge waiver of ₹3500 in a calendar year
*W.e.f 20-06-21, the Interest Charges on outstanding Balances for Kotak811 Dream Different Credit Card shall be revised to 3.50% (Annualised 42%)

Disclaimer: Verbiage for Joining Fee (if applicable) will be displayed as Annual Fee on your monthly credit card statement. Thereafter you will be levied Annual Fee (if applicable) as per the most important terms and conditions of your credit card.
Understand the value chart for the Kotak811 Dream Different Credit Card.
Explore more credit card options that best suit your needs.

Disclaimer: Verbiage for Joining Fee (if applicable) will be displayed as Annual Fee on your monthly credit card statement. Thereafter you will be levied Annual Fee (if applicable) as per the most important terms and conditions of your credit card.

Understand the value chart for the Kotak811 Dream Different Credit Card.

Explore more credit card options that best suit your needs.

Kotak811 Dream Different Credit Card

Fees & Charges

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