Imagine this- you want to upgrade your iPhone, but your bank balance is saying a different story; what will you do? Compromise with an older, mobile phone or wait until you can save the amount required for the upgrade? Rather than waiting, you can use a credit card to purchase the phone of your choice.
Credit cards are lifesavers due to the convenient pay-back options. The convenience of credit card shopping has transformed the e-commerce industry. Not just phones but people are using credit cards for everyday purchases because of the features of accessible EMI facilities. However, it requires responsible usage. You should not overspend, which might lead to a financial mess. Alongside this, choosing a credit card that best suits your needs and goals is important. You can also consider the 811 Dream Different credit card, which has gained immense popularity recently.
It is a grand credit card scheme with no hidden costs. Let’s learn more about the exclusive benefits of this credit card and find out if it’s worth the hype.
What is the 811 Dream Different Credit Card?
As the name suggests, this card is slightly more beneficial than conventional ones. It is a lifetime-free credit card with no hidden costs. You can use this credit card for interest-free cash withdrawals and to get rewards on credit card purchases. The credit card can be obtained against a Fixed Deposit, and users can get a credit limit of up to 90% of the FD amount.
Why should you get a Dream Different Credit Card?
Dream Different credit card is different from other credit cards. Following are the reasons that it has become immensely popular these days:
- Free credit card: This card has no joining or annual fee. You can enjoy shopping and reward benefits with this lifetime free credit card.
- Easy availability: You don’t have to be in a certain income slab to enjoy the exclusive deals on this credit card. No credit score or income proof is needed because you can get this credit card against an FD which can be as low as Rs 5000.
- Cashback rewards: Credit card holders get massive cashback on annual spending. Every time you travel, buy movie tickets, or use your credit card, you will get reward points where 1 reward point equals Rs 0.25.
- Cash withdrawals: Dream Different card is not just limited to shopping; you can use this card when you need urgent cash. The Bank allows interest-free cash withdrawals for up to 48 days.
- Surcharge waivers: When you use your Dream Different credit card, you can even save money on fuel. You are entitled to get a 1% waiver on petrol pump transactions. Similarly, this credit card makes booking railways tickets cheaper because it offers a 1.8% waiver on IRCTC transactions.
Who is eligible to get a Dream Different Credit Card?
Dream Different Credit Card scheme is for Indian residents between 18 and 75 years old. NRIs can also access exclusive benefits, but they have to apply for the 811 credit card via the offline process.
How to get the 811 Dream Different Credit Card?
Are you excited about the reward points and exclusive benefits this card provides? Let’s go through them:
- Fees: This credit card has no joining charges or annual fees. It is a lifetime free credit card that anyone can avail.
- Documents: No documents or income proof is needed to apply for this credit card. Easy eligibility criteria are the reason this credit card is widely popular.
- FD: Dream Different credit card is provided against a Fixed Deposit amount that can be as low as Rs 5000.
- Application: You can apply online, open a new FD online and complete the credit card application digitally to enjoy the exclusive benefits and offers of a Dream Different credit card.
Bottom Line
Reward points, lower interest rates, interest-free cash withdrawals, and surcharge waivers are reasons to fulfil your dreams with this amazing credit card. If you haven’t applied, download the Kotak 811 mobile app and get your Dream Different credit card.
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