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
Standard Chartered Platinum Rewards Credit Card
Rs 250Annual fee
0Domestic lounge
3.5%Forex markup
Best for
fuel, dining, lifetime free
Top rewards
Fuel spends: 5 reward points / Rs 150 spent; Dining spends at fine-dining outlets: 5 reward points / Rs 150 spent; Other retail spends: 1 reward point / Rs 150 spent
| Feature | 811 Dream Different Credit Card | Standard Chartered Platinum Rewards Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Standard Chartered |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 250 |
| Annual fee | Rs 0 | Rs 250 |
| Reward type | Kotak Reward Points | 360° Rewards points |
| Best for | lifetime free, online, fuel, railway | fuel, dining, lifetime free |
| 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 | Fuel spends: 5 reward points / Rs 150 spent; Dining spends at fine-dining outlets: 5 reward points / Rs 150 spent; Other retail spends: 1 reward point / Rs 150 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 Rs 0.07 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel spends, Railway ticket bookings, Rent payments, E-wallet loading transactions, Online skill-based gaming transactions, Education spends | Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |