Kotak Dream Different Credit Card (points stopped; cashback unpriced)
Point earning stopped 1 April 2026. Legacy points expire after 30 September 2026. A new September cashback programme is not priced until its rate and eligibility are verified.
Try your spend →How this estimate works
The current Kotak card agreement stopped Dream Different reward-point earning and anniversary milestones effective 1 April 2026. Legacy points earned through 31 March 2026 remain redeemable only through 30 September 2026 and expire afterward. A separate cashback programme starts from credit-card billing cycles commencing in September 2026. The agreement requires a monthly spend threshold, eligible transactions, an active Kotak savings account and card, and credit-card payments through Kotak digital channels; it refers to the website for cashback rates, caps and exclusions. The retrieved owning product page still advertises the obsolete point programme and does not establish this new cashback rate or threshold. Therefore all current spend categories remain unpriced and return ₹0 in this calculator, not a claim that no cashback can exist. Check your account terms for new cashback eligibility. Current agreement lists ₹424 one-time joining fee effective 1 September 2026 and nil recurring annual fee; one-time joining cost and FD collateral/opportunity cost are not included in recurring annual ROI.
Issuer terms
Kotak Dream Different product overview · Kotak current agreement: ended rewards and ₹424 joining fee · Kotak legacy fee page
Terms checked 30 September 2026. Compare your actual merchant, statement fee and redemption options.