Kotak 811 #DreamDifferent cashback rate, cap and annual fee
Kotak 811 #DreamDifferent pays 2% on everything, as a base rate and 2% at paid through UPI. Nothing at all below INR 15,000 of spending a month — INR 180,000 across a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Kotak Mahindra Bank · India · catalogue v117
Read from Kotak Mahindra Bank's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 2.00% | —2% cashback on all spends in a billing cycle of ₹15,000 or more; INR 500 a cycle and INR 100 a transaction. |
| paid through UPIeverything else | 2.00% | INR 200reached at INR 10,000 of spend2% on credit-card UPI payments, inside the INR 500 and at most INR 200 a cycle. |
Questions people ask
What cashback does the Kotak 811 #DreamDifferent pay?
2% on everything, as a base rate and 2% at paid through UPI.
Is there a cap on the Kotak 811 #DreamDifferent?
Yes — INR 500 a month across the whole card, however you split your spending.
What is the annual fee on the Kotak 811 #DreamDifferent?
No annual fee.
Is there a minimum spend on the Kotak 811 #DreamDifferent?
Yes — INR 15,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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