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
UPI RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
UPI, Lifetime Free, Virtual Card
Top rewards
UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent
| Feature | 811 Dream Different Credit Card | UPI RuPay Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Kotak Reward Points | Kotak Reward Points |
| Best for | Lifetime Free, Online, Fuel, Railway | UPI, Lifetime Free, Virtual Card |
| 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 | UPI And Other Eligible Spends: 3 Reward Points / ₹100 spent; Utility Spends: 3 Reward Points / ₹100 spent |
| 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 | Fuel spends, Rent payments, Railway ticket bookings, E-wallet loading transactions, EMI transactions, Education spends |