Credit Card Compare

Dream Different Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹250
Annual fee
51 days
Interest-free

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Application

CardIQ

58Good

Good

Overall score, out of 100 · How this works

  • Cashback93
  • Rewards24

Customer reviews

No reviews yet. Be the first to review the Dream Different Credit Card.

Pros & cons

What's good

  • Earns cashback on eligible spending.
  • Up to 51 interest-free days on purchases, longer than most cards.
  • No fee to add an additional cardholder.

Worth noting

  • No annual fee. Joining fee is ₹250 (or NIL if credit limit ≥ ₹18,000 on activation date; ₹3,500 for Metal variant). Effective 1st Sept 2026, joining fee becomes ₹424 with no waiver applicable. Annual fee is NIL. Add-on card fee is Waived. GST applicable on all fees and charges.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Indian Residents (NRIs via offline process only)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹250 p.a.
Cash advance fee
—
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹0

Repayments

Interest-free period
Up to 51 days on purchases
Minimum repayment
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
₹500 per month
Ongoing cashback
2% on eligible spend

Minimum spend of ₹15,000 per billing cycle required. Max cashback ₹500/cycle (incl. max UPI cashback ₹200/cycle). Max ₹100 per transaction. Cashback must be claimed by 15th of every month via Kotak811 App; expires if not redeemed within 30 days.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days51 daysTied for best (1st of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee2.00%Top 25% (22nd of 91 cards)
Annual fee₹250 a yearTop 25% (23rd of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Kotak Mahindra Bank