A Credit Card Without A Job, Income OR Credit History: Now Trending

In a vibrant financial market like India, consumers are spoilt for choice. But not so much when it comes to credit cards. While access to these products has become synonymous with better financial management and rewards, there are restrictions.

For instance, credit card issuers often require applicants to have a steady job, income, or solid credit history. This leaves many without access to these valuable financial tools. But there's a new trend emerging in the world of credit cards – one that breaks free from these constraints and empowers folks from all walks of life - credit cards against fixed deposit (FDs).

A Credit Card For the People

FDs are a widely preferred investment for the assured returns they earn over a period of time. People of all economic backgrounds invest in them and enjoy compounded interest over their deposit. On the other hand, credit cards come with loads of benefits like reward points, cashbacks, discounts, among many other offers. Credit cards against FDs actually combine the best of both these products. Enter the Kotak811 DreamDifferent Credit Card

Unlocking Financial Opportunities for All

The DreamDifferent credit card from Kotak811 is an exemplary credit card against an FD available to Indians aged 18 and above. There are no income, employment, or credit score requirements, - just an FD with Kotak811 and the lifetime free credit card is available. Notable features and benefits include:

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  UPI enabled Credit Card: Easily link to your UPI account through the Kotak811 App or UPI platform.


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  Scan & Pay transactions: Use the card for Scan & Pay transactions through any UPI app.


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  Credit Limit: Customers can set a monthly credit limit up to 90% of the deposited value; for all linked FDs.


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  Increase credit limit: Book additional FDs and link them to the credit card for an increased credit limit.


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  1%* Fuel surcharge waiver: Enjoy savings on fuel purchases.


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  Interest free cash withdrawal up to 48 days: Access cash when needed without interest charges.


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  Convert purchases into EMI: Flexible repayment options for large purchases.


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  No joining and annual fees: No upfront or recurring charges.


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  Welcome Benefit: Receive ?1,000 worth of vouchers on qualifying spends in the first three months.


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  Reward points on every ?100 spent online: Earn rewards for online transactions.


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  No expiry of reward points: Redeem points whenever.


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  Milestone Benefits: Earn Amazon vouchers based on spending milestones.


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  Repayment via Kotak811 Mobile Banking App: Conveniently repay credit card dues through the app.


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  FD Earning: Linked FDs continue to earn interest across their terms.

Cards like this not only serve a largely underserved section of people but also help them grow their finances. Here’s how:

1. For the Presently Unemployed

For those who don’t have a job at the moment of applying, getting a credit card can be quite a challenge. However, for the Kotak811 DreamDifferent credit card, financial stability isn't solely dependent on employment status. Whether a student, homemaker, between jobs, taking a career break, or exploring other things that matter more, the DreamDifferent credit card gives everyone the flexibility they need to manage expenses, build credit, and seize all the benefits and opportunities that come with it.

2. For Students, Aspirants, and Stay-at-Home Parents

Students, aspirants, and stay-at-home parents play invaluable roles in society, yet they often face barriers when it comes to accessing credit. The DreamDifferent credit card understands that financial needs extend beyond traditional income earners. It offers a pathway for students to manage their education expenses, aspirants to pursue their passions without financial worry, and stay-at-home parents to maintain household finances efficiently.

3. For Professionals Starting Out

Professionals embarking on their careers face the challenge of building credit from scratch. The DreamDifferent credit card recognises the importance of laying a strong financial foundation early on. Whether you're a recent graduate, an entry-level employee, or a budding entrepreneur, this card provides you with the means to establish a solid credit profile, make essential purchases, and pave the way for future financial success.

The Kotak811 Advantage

Opening the door to a world of financial possibilities is easier than ever with Kotak811. Kotak811 account holders can seamlessly apply for the DreamDifferent credit card and enjoy instant approval. By opening an FD through the Kotak811 app, they can secure your DreamDifferent credit card in a matter of minutes. Plus, with the Kotak811 app, they will receive timely notifications for their Kotak credit card billing date to stay on top of payments and maintain a healthy credit score.

Ushering in a New Era of Inclusive Banking

Products like the Kotak811 DreamDifferent credit card represent a seismic shift in the Indian credit card market. It breaks traditional barriers and opens greater opportunities for individuals from all walks of life. Whether someone is navigating a career transition, pursuing higher education, or laying the foundation for a future, the DreamDifferent credit card lets them do it on their terms and helps achieve the financial goals they have. With Kotak811, accessing credit is as simple as a few taps on a smartphone.

For further information-

Chat with Kotak811 on Whatsapp: +91 77108 11811

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