Lifetime Free Credit Card: Apply 811 Credit Card @No Joining Fee

Apply for the Kotak 811 Dream Different lifetime free credit card in 3 easy steps. Discover the exceptional features of this card & get it online @ 0 joining fees.

Get Credit Card online without any income documents Lifetime free credit card

Enjoy the benefits of interest free cash withdrawals,rewards on all purchases, a credit limit up to 90% of your term deposit amount and a free Credit Card for life – all with the Kotak 811 #DreamDifferent Credit Card

UPI enabled Credit Card

No transaction fees on savings accountNo Joining and Annual Fees

4 reward points on every Rs. 100 spent online

Higher_Credit_LimitMilestone benefits of upto Rs. 1000/- amazon vouchers

Higher_Credit_LimitFuel and Railway surcharge waiver

Debit Card for Junior Savings AccountInterest free cash withdrawal up to 48 days

Cashbacks on electronic toll payment - FASTagNo expiry of reward points

nri-journey-high-average-quarterly-balanceCredit limit up to 90% of the fixed deposit amount

Credit limit known upfront at the time of applying for the credit card

UPI enabled Credit Card

No Joining and Annual Fees

4 reward points on every Rs. 100 spent online

Milestone benefits of upto Rs. 1000/- amazon vouchers

Fuel and Railway surcharge waiver

Interest free cash withdrawal up to 48 days

No expiry of reward points

Credit limit up to 90% of the fixed deposit amount

Credit limit known upfront at the time of applying for the credit card

  • Reward Points

  • Earn 4 reward points against every Rs. 100/- of online* spends

  • Earn 1 reward point against every Rs. 100/- of other spends

  • Interest free cash withdrawal

  • You can withdraw cash up to 90% of your total credit limit.

  • Processing fee of Rs. 100 for every instance of ATM withdrawal and Funds Transfer

  • No interest will be charged up to 48 days on cash advance

  • Balance Transfer

  • Processing fee of Rs. 349/- per Rs. 10,000/-

  • Continued interest free period on fresh retail purchases

  • Easy & Instant - Just call us to transfer your other credit card balances

  • Add-on Card

  • Your Add-on Card will have all the benefits that you enjoy on your Card

  • Set the spend limit on your Add-on Card as you desire

  • Track spends separately for each of your Add-on Card(s)

  • Fuel & Railway Surcharge waiver

  • 1% across all petrol pumps for transactions between Rs. 500/- and Rs. 3000/- (max. Rs. 3500/year)

  • 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year

Check your eligibility for the 811 #DreamDifferent Credit Card. Explore more credit card options that best suit your needs.

  • Reward points will not be offered on fuel and railway spends as the card also offers surcharge waivers on the same
  • Reward points will not be offered on cash withdrawals.
  • Rewards earned on spends prior to 15th April 2024 will remain unaffected.

.

*4 Reward Points are applicable on 811 #DreamDifferent Credit Card Rupay variant.

*2 Reward Points are applicable on existing 811 #DreamDifferent Credit Card.

#The activation offer is applicable for all cards which are issued on and after 1st April 2024. Click here for TnCs

Note:

  1. Aqua Gold Credit Card has been rebranded to 811 #DreamDifferent Credit Card effective 15th July 2020 onwards.
  2. Card replacement & renewal for logo 210 (811 #DreamDifferent Credit Card – Gold variant) :
  • Card replacement request can be placed by either the Primary cardholder or an Add-on cardholder. Irrespective of who is placing the request, both the cards will be replaced. Please note, if the same is initiated by the primary cardholder, both cards need to be active. The cards will be replaced from Gold variant to Platinum variant.

  • Card renewal is an automated process. In case a customer holds both Primary & Add-on cards, then both the cards will be renewed. Please note, if the primary card is due for renewal, then both cards need to be active. The cards will be renewed from Gold variant to Platinum variant. Compare Now

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Summer Electronic Benefits Transfer (EBT) OTDA

You are using an out of date browser. On December 1, 2021, New York State will upgrade security protections to our websites and applications. Access to government websites and applications will now require the use of up-to-date and secure web browsers. View a list of supported browsers. OTDA HomePrograms & Services Summer Electronic Benefits Transfer (EBT) Overview Beginning in 2024, New York State will launch Summer EBT, a new program that provides low-income families with food benefits to help buy groceries during the summer when kids might not have access to school meals. Most eligible children will receive Summer EBT food benefits automatically; however, some families may need to apply. The Summer 2024 benefit will only be issued once, in the full amount of $120 for each eligible child. This website will be updated with more information as it becomes available. When will I receive my Summer EBT benefits? Learn when Summer EBT food benefits are expected to be issued. Eligibility Automatically Eligible To receive Summer EBT food benefits automatically: A child must receive Supplemental Nutrition Assistance Program (SNAP) and/or Temporary Assistance (cash) benefits, or be directly certified for free meals through Medicaid, OR A child must be determined eligible for free/reduced price school meals through the National School Lunch Program by their school.* These children will receive benefits automatically and DO NOT need to apply. Most eligible children will receive their benefits this way. *Attending a school that offers free meals to all students through the Community Eligibility Provision (CEP), is not enough to qualify your child for Summer EBT. Only children who are automatically eligible or eligible though an application can receive Summer EBT food benefits. Must Apply Some students who are not automatically eligible may be able to receive Summer EBT food benefits by completing an application. To be eligible through an application: A student must attend a school that participates in the National School Lunch Program (NSLP), AND The household’s income must be at or below the limits for eligibility for free/reduced price school meals (185% federal poverty level). See, “How to Apply” for more information. Household Size Gross Annual Income Gross Monthly Income 1 $27,861 $2,322 2 $37,814 $3,152 3 $47,767 $3,981 4 $57,720 $4,810 5 $67,673 $5,640 6 $77,626 $6,469 7 $87,579 $7,299 8 $97,532 $8,128 Each additional person +$9,953 +$830 * Summer EBT Income Eligibility Guidelines July 1, 2024 to June 30, 2025 Benefits The Summer 2024 benefit will only be issued once, in the full amount of $120 for each eligible child. Where can I use my Summer EBT benefits? Summer EBT benefits can be used just like SNAP benefits to buy food at grocery stores, farmers markets, and other SNAP-authorized retailers. Summer EBT food benefits will begin to be issued this summer. Eligible children will receive benefits at different times, depending on whether they attend public or private school, and whether they receive benefits automatically or are determined eligible through a Summer EBT application. Eligible children who attend public school and are automatically eligible will receive benefits first. A letter will be mailed to eligible households shortly before benefits are issued. These letters will be sent throughout the summer. The New York State Office of Temporary and Disability Assistance may also use text messages letting you know your child’s benefits have been issued. Summer EBT food benefits will remain available and accessible on your Summer EBT food benefits card for 122 days after the date they were issued. All unused benefits are removed from the card after this time. Be sure to use your benefits soon after you receive them. How to Apply Most households do not need to apply for Summer EBT food benefits because the child is already eligible and will receive benefits automatically. Some students who are not automatically eligible may be able to receive Summer EBT food benefits by completing an application. Apply for Summer EBT Online Applications are no longer being accepted for Summer 2024 benefits. Any application received after September 3, 2024 will be considered for Summer 2025 benefits. View Summer EBT paper applications in multiple languages. To be eligible through an application: The student must attend a school that participates in the National School Lunch Program (NSLP), AND The household’s income must be at or below the limits for eligibility for free/reduced price school meals. Families will only need to complete one application for all students in the household. This application should be completed by a parent/guardian for the students. Application checklist: The information you need to complete an application includes: An NY.gov ID account is required to complete the application. If you do not have a NY.Gov ID, you need to create a NY.gov ID before you apply. You will need to create a user ID and password. For both of these, you should choose something that’s easy for you to remember but hard for other people to guess. Name of each student applying for Summer EBT benefits, their date of birth, and the name of the school they attend. Student Identification System (NYSSIS) ID number and/or local student ID number (these numbers are optional, but helpful to include). Information about whether the student participates in SNAP, Temporary (cash) Assistance, Medicaid, or other programs (if your student participated in any of these programs in the 2023-24 school year, you may not need to apply). Names of all other people (other than the students applying for benefits) in the household. Income information for each person in the household, including amount and how often each person receives income. Current address, phone number, and email address. Agree that all information is accurate, electronically sign the application, and submit. You will not need to provide any documentation to apply. Some families may be asked to provide proof of income later. Application Status Once an application is submitted, OTDA will contact you by email, letting you know: That your application has been received. When your child’s application has been processed and if the application is approved or denied. All children determined eligible through an application will receive a new Summer EBT food benefit card in the mail. Summer EBT Food Benefits Cards Every child should have their own EBT card to access Summer EBT benefits. Some children will receive benefits on an existing P-EBT card, and some will receive a new Summer EBT card in the mail. For the purposes of Summer EBT, both P-EBT food benefits cards and Summer EBT food benefits cards work the same. The card that is used to access Summer EBT food benefits will become your child’s permanent Summer EBT card for each year that your child is eligible to receive benefits. Please keep it in a safe place. Summer EBT food benefits are issued to eligible children in the following ways: Children who are automatically eligible and successfully used Pandemic-EBT (P-EBT) food benefits in the past year will receive their Summer EBT food benefits on the same P-EBT food benefits card. All other children will be mailed a new Summer EBT food benefits card. This includes children who received P-EBT food benefits on their household’s SNAP or Temporary Assistance (cash) EBT card because Summer EBT benefits will no longer be issued to a household’s SNAP/TA EBT card. This also includes any child who has never received P-EBT, as well as any child determined eligible through an application. Families who are automatically eligible will receive a letter this summer letting them know that their child will receive benefits automatically and how they will receive their benefits (existing P-EBT card or new Summer EBT card). View instructions on ordering a replacement card View instructions to activate card/set up PIN Summer EBT food benefits will remain available and accessible on your Summer EBT food benefits card for 122 days after the date they were issued. All unused benefits are removed from the card after this time. Be sure to use your benefits soon after you receive them. Summer EBT cardholders can use the new ebtEDGE online client portal to manage their EBT card online. Visit www.ebtEDGE.com and follow link to “Cardholder Portal” to get started. You can also download the ebtEDGE mobile app (available on Google Play Store and Apple App Store). The online client portal and app are easy ways to check your Summer EBT benefits deposit and card balance without having to contact the Summer EBT customer service center Protect your benefits from theft by following these important tips. You can also use the ebtEdge website or app to freeze and unfreeze the EBT card between purchases. Summer EBT benefits cannot be replaced if stolen. Contact Summer EBT Customer Service Call Center: 1-833-452-0096 Automated information available 24/7 Agent support available: Monday through Friday - 8:30 a.m. to 8 p.m. Saturday - 9am to 3pm Beginning in 2024, New York State will launch Summer EBT, a new program that provides low-income families with food benefits to help buy groceries during the summer when kids might not have access to school meals. Most eligible children will receive Summer EBT food benefits automatically; however, some families may need to apply. The Summer 2024 benefit will only be issued once, in the full amount of $120 for each eligible child. This website will be updated with more information as it becomes available. When will I receive my Summer EBT benefits? Learn when Summer EBT food benefits are expected to be issued. Learn when Summer EBT food benefits are expected to be issued. Automatically Eligible To receive Summer EBT food benefits automatically: A child must receive Supplemental Nutrition Assistance Program (SNAP) and/or Temporary Assistance (cash) benefits, or be directly certified for free meals through Medicaid, OR A child must be determined eligible for free/reduced price school meals through the National School Lunch Program by their school.* These children will receive benefits automatically and DO NOT need to apply. Most eligible children will receive their benefits this way. *Attending a school that offers free meals to all students through the Community Eligibility Provision (CEP), is not enough to qualify your child for Summer EBT. Only children who are automatically eligible or eligible though an application can receive Summer EBT food benefits. Must Apply Some students who are not automatically eligible may be able to receive Summer EBT food benefits by completing an application. To be eligible through an application: A student must attend a school that participates in the National School Lunch Program (NSLP), AND The household’s income must be at or below the limits for eligibility for free/reduced price school meals (185% federal poverty level). See, “How to Apply” for more information. Household Size Gross Annual Income Gross Monthly Income 1 $27,861 $2,322 2 $37,814 $3,152 3 $47,767 $3,981 4 $57,720 $4,810 5 $67,673 $5,640 6 $77,626 $6,469 7 $87,579 $7,299 8 $97,532 $8,128 Each additional person +$9,953 +$830 * Summer EBT Income Eligibility Guidelines July 1, 2024 to June 30, 2025 The Summer 2024 benefit will only be issued once, in the full amount of $120 for each eligible child. Where can I use my Summer EBT benefits? Summer EBT benefits can be used just like SNAP benefits to buy food at grocery stores, farmers markets, and other SNAP-authorized retailers. Summer EBT food benefits will begin to be issued this summer. Eligible children will receive benefits at different times, depending on whether they attend public or private school, and whether they receive benefits automatically or are determined eligible through a Summer EBT application. Eligible children who attend public school and are automatically eligible will receive benefits first. A letter will be mailed to eligible households shortly before benefits are issued. These letters will be sent throughout the summer. The New York State Office of Temporary and Disability Assistance may also use text messages letting you know your child’s benefits have been issued. Summer EBT food benefits will remain available and accessible on your Summer EBT food benefits card for 122 days after the date they were issued. All unused benefits are removed from the card after this time. Be sure to use your benefits soon after you receive them. Most households do not need to apply for Summer EBT food benefits because the child is already eligible and will receive benefits automatically. Some students who are not automatically eligible may be able to receive Summer EBT food benefits by completing an application. Apply for Summer EBT Online Applications are no longer being accepted for Summer 2024 benefits. Any application received after September 3, 2024 will be considered for Summer 2025 benefits. Applications are no longer being accepted for Summer 2024 benefits. Any application received after September 3, 2024 will be considered for Summer 2025 benefits. View Summer EBT paper applications in multiple languages. To be eligible through an application: The student must attend a school that participates in the National School Lunch Program (NSLP), AND The household’s income must be at or below the limits for eligibility for free/reduced price school meals. Families will only need to complete one application for all students in the household. This application should be completed by a parent/guardian for the students. Application checklist: The information you need to complete an application includes: An NY.gov ID account is required to complete the application. If you do not have a NY.Gov ID, you need to create a NY.gov ID before you apply. You will need to create a user ID and password. For both of these, you should choose something that’s easy for you to remember but hard for other people to guess. Name of each student applying for Summer EBT benefits, their date of birth, and the name of the school they attend. Student Identification System (NYSSIS) ID number and/or local student ID number (these numbers are optional, but helpful to include). Information about whether the student participates in SNAP, Temporary (cash) Assistance, Medicaid, or other programs (if your student participated in any of these programs in the 2023-24 school year, you may not need to apply). Names of all other people (other than the students applying for benefits) in the household. Income information for each person in the household, including amount and how often each person receives income. Current address, phone number, and email address. Agree that all information is accurate, electronically sign the application, and submit. You will not need to provide any documentation to apply. Some families may be asked to provide proof of income later. Application Status Once an application is submitted, OTDA will contact you by email, letting you know: That your application has been received. When your child’s application has been processed and if the application is approved or denied. All children determined eligible through an application will receive a new Summer EBT food benefit card in the mail. Every child should have their own EBT card to access Summer EBT benefits. Some children will receive benefits on an existing P-EBT card, and some will receive a new Summer EBT card in the mail. For the purposes of Summer EBT, both P-EBT food benefits cards and Summer EBT food benefits cards work the same. The card that is used to access Summer EBT food benefits will become your child’s permanent Summer EBT card for each year that your child is eligible to receive benefits. Please keep it in a safe place. Summer EBT food benefits are issued to eligible children in the following ways: Children who are automatically eligible and successfully used Pandemic-EBT (P-EBT) food benefits in the past year will receive their Summer EBT food benefits on the same P-EBT food benefits card. All other children will be mailed a new Summer EBT food benefits card. This includes children who received P-EBT food benefits on their household’s SNAP or Temporary Assistance (cash) EBT card because Summer EBT benefits will no longer be issued to a household’s SNAP/TA EBT card. This also includes any child who has never received P-EBT, as well as any child determined eligible through an application. Families who are automatically eligible will receive a letter this summer letting them know that their child will receive benefits automatically and how they will receive their benefits (existing P-EBT card or new Summer EBT card). View instructions on ordering a replacement card View instructions to activate card/set up PIN Summer EBT food benefits will remain available and accessible on your Summer EBT food benefits card for 122 days after the date they were issued. All unused benefits are removed from the card after this time. Be sure to use your benefits soon after you receive them. Summer EBT cardholders can use the new ebtEDGE online client portal to manage their EBT card online. Visit www.ebtEDGE.com and follow link to “Cardholder Portal” to get started. You can also download the ebtEDGE mobile app (available on Google Play Store and Apple App Store). The online client portal and app are easy ways to check your Summer EBT benefits deposit and card balance without having to contact the Summer EBT customer service center Protect your benefits from theft by following these important tips. You can also use the ebtEdge website or app to freeze and unfreeze the EBT card between purchases. Summer EBT benefits cannot be replaced if stolen. Summer EBT Customer Service Call Center: 1-833-452-0096 Automated information available 24/7 Agent support available: Monday through Friday - 8:30 a.m. to 8 p.m. Saturday - 9am to 3pm Back to Top Home Site map Contact OTDA Contracts & Grants Freedom of Information Law (FOIL) Job Opportunities Website Accessibility Privacy Policy Disclaimer Reasonable Accommodation Diversity, Equity and Inclusion Child Poverty Reduction Advisory Council (CPRAC) Interagency Task Force on Human Trafficking (ITF) Home Energy Assistance Program (HEAP) Block Grant Advisory Council (BGAC) Site map Contact OTDA Contracts & Grants Freedom of Information Law (FOIL) Job Opportunities Website Accessibility Privacy Policy Disclaimer Reasonable Accommodation Diversity, Equity and Inclusion Child Poverty Reduction Advisory Council (CPRAC) Interagency Task Force on Human Trafficking (ITF) Home Energy Assistance Program (HEAP) Block Grant Advisory Council (BGAC) Programs Supplemental Nutrition Assistance Program (SNAP) Home Energy Assistance Program (HEAP) Temporary Assistance Child Support Fair Hearings See all Programs and Services Supplemental Nutrition Assistance Program (SNAP) Home Energy Assistance Program (HEAP) Temporary Assistance Child Support Fair Hearings See all Programs and Services Resources myBenefits.ny.gov Resources for Working Families Forms Report Welfare Fraud Laws & Policies News & Public Information Local Departments of Social Services Language Assistance Services Website Language Translations myBenefits.ny.gov Resources for Working Families Forms Report Welfare Fraud Laws & Policies News & Public Information Local Departments of Social Services Language Assistance Services Website Language Translations Select a Language English العربية বাংলা 中文 繁體中文 Français Kreyòl Ayisyen Italiano 한국어 Polski Русский Español اردو אידיש English العربية বাংলা 中文 繁體中文 Français Kreyòl Ayisyen Italiano 한국어 Polski Русский Español اردو אידיש CONNECT WITH US FACEBOOK TWITTER YOUTUBE INSTAGRAM

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