Card comparison
Kotak 811 #DreamDifferent Credit Card vs HDFC Bank Diners Club Privilege Credit Card
Compare fees, rewards, eligibility, lounge access, forex markup, and key benefits side by side.
| Features | Kotak 811 #DreamDifferent Credit CardVisa | HDFC Bank Diners Club Privilege Credit CardDiners Club |
|---|---|---|
| Annual Fee | Lifetime Free | ₹2,500 |
| Joining Fee | ₹0 | ₹2,500 |
| Finance Charge | 3.5% /mo | 3.6% /mo |
| Forex Markup | 3.5% | 3.5% |
| Base Reward Rate | 2% cashback online, 1% on other spends (lifetime free) | 4 Reward Points per ₹150 (10X on SmartBuy Fridays) |
| Domestic Lounge | 0/yr | Available |
| International Lounge | — | 12/yr |
| Welcome Benefit | Available | Up to ₹2,000 |
| Min Income | Must have a Kotak 811 savings account. Age: 18–65. | ₹12,00,000/yr |
| Credit Score | 700+ | 750+ |