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
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 / ₹150 spent; Dining Spends At Fine-Dining Outlets: 5 reward points / ₹150 spent; Other Retail Spends: 1 reward point / ₹150 spent
| Feature | 811 Dream Different Credit Card | 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 / ₹150 spent; Dining Spends At Fine-Dining Outlets: 5 reward points / ₹150 spent; Other Retail Spends: 1 reward point / ₹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 ₹ 0.07 per point | Statement credit: upto ₹ 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) |