811 Dream Different Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Lifetime Free, Online, Fuel, Railway
Top rewards
Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline
811 Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Entry Level, Milestone Cashback
Top rewards
Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline
| Feature | 811 Dream Different Credit Card | 811 Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 500 |
| Annual fee | Rs 0 | Rs 500 |
| Fee waiver spend | - | Rs 50,000 |
| Reward type | Kotak Reward Points | Kotak Reward Points |
| Best for | Lifetime Free, Online, Fuel, Railway | Online, Entry Level, Milestone Cashback |
| Top reward categories | Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline | Online Spends: 2 Reward Points / ₹100 spent online; Utility Spends: 1 Reward Point / ₹100 spent on utilities; Other Eligible Offline Spends: 1 Reward Point / ₹100 spent offline |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.07 per point | Statement credit: upto ₹ 0.07 per point |
| Key exclusions | Fuel spends, Railway ticket bookings, Rent payments, E-wallet loading transactions, Online skill-based gaming transactions, Education spends | Education spends, E-wallet loading transactions, Fuel spends, Rent payments, Government spends, Insurance spends |