# Kotak 811 Dreamdifferent Rupay Credit Card

**Best for:** Frequent online shoppers

**Think twice if:** Rarely makes online purchases

**Key strengths:** Earn 4 Reward Points on online spends · No joining or annual fees · Low forex markup for foreign transactions

## Fees

- **Joining Fee:** Joining Fees - NA
- **Annual Fee:** Annual Fee - Nil
- **Fee Waiver:** First Year Annual Fees Waiver - NA
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 4 Reward Points Per Rs.100 on Online Spends

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