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HomeCredit cardsKotak Mahindra BankKotak 811 #DreamDifferent Credit Card
EntryVisaLifetime free

Kotak 811 #DreamDifferent Credit Card

3.9editor Editor score 68/100Best for secured / no income proof

Lifetime free secured card against a fixed deposit of ₹5,000+ – ideal for students and people building a credit score.

  • No income proof or credit score needed
  • FD keeps earning interest
  • Instant virtual card
  • Lifetime free
Updated 13 Nov 2026
Kotak Mahindra Bank
•••• •••• •••• 4242
Kotak 811 #DreamDifferent Credit Card
VISA

Key facts

Joining fee
Free
Annual fee
Free
Reward rate
2 RP per ₹100 online · 1 RP offline
Welcome benefit
None

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Editor's pick
ICICI Bank
Kotak 811 #DreamDifferent Credit Card
Annual fee Free
Lounge access
None domestic
Forex markup
3.5%
Fuel surcharge
1% waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • Fastest way to start a credit history
  • Fully digital issuance
  • Interest on FD continues

Watch out for

  • Low rewards
  • Limit tied to FD (90%)
  • No lounge or perks

Our take

Why we rate it

Not a rewards card, but the easiest first credit card in India when you have no salary slip.

Features & benefits in detail

Rewards
Online spends
2 RP per ₹100
Offline spends
1 RP per ₹100
Fees
Joining / annual
Lifetime free
Eligibility
Security
FD of ₹5,000+

Eligibility

Minimum income
Not specified
Age
21 – 60 years
Credit score
Not specified
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
Joining fee
Free
Annual fee
Free
Rewards
Up to 0.5%
Lounge
None
Forex
3.5%

Secure hand-off to Kotak Mahindra Bank. No OTP or PIN ever asked.

Not sure?

Answer 5 questions and see whether this is really your best match.

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

•••• •••• •••• 4242
Amazon Pay ICICI Credit Card
VISA
ICICICI Bank

Amazon Pay ICICI Credit Card

4.5editor

Best for amazon prime members

Lifetime free card with 5% back for Prime members on Amazon, 2% on Amazon Pay partners and 1% everywhere else.

Joining
Free
Annual
Free
Rewards
Up to 3%
Lifetime free Fuel waiver
Details
Editor's pick
IDFC FIRST BankMID
•••• •••• •••• 4242
IDFC FIRST Select Credit Card
VISA
IDIDFC FIRST Bank

IDFC FIRST Select Credit Card

4.4editor

Best for lifetime-free lounge access

Lifetime free with 10X points above ₹20,000 monthly spends, 4 domestic lounge visits a quarter and no reward expiry.

Joining
Free
Annual
Free
Rewards
Up to 2.5%
Lifetime free Lounge 16 / yr 1.99% forex Fuel waiver
Details
ScapiaMID
•••• •••• •••• 4242
Scapia Federal Bank Credit Card
VISA
SCScapia

Scapia Federal Bank Credit Card

4.3editor

Best for zero forex travel

Lifetime free travel card with 0% forex markup, unlimited domestic lounge access on ₹10,000 monthly spends and 10% Scapia coins.

Joining
Free
Annual
Free
Rewards
Up to 2%
Lifetime free Lounge Unlimited 0% forex
Details
SBI Card
•••• •••• •••• 4242
SBI SimplyCLICK Credit Card
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SBSBI Card

SBI SimplyCLICK Credit Card

4.1editor

Best for first-time online shoppers

10X rewards on Amazon, BookMyShow, Cleartrip, Myntra and partners, 5X on all other online spends.

Joining
₹499 + GST
Annual
₹499 + GST
Rewards
Up to 2.5%
Fuel waiver
Details