HDFC Pixel Go Credit Card vs Kotak 811 #DreamDifferent Credit Card

• Joining benefits: Avail a joining fee waiver by spending Rs. 10,000 within 90 days of issuance
• In a year, spend Rs. 50,000 or more before the Credit Card's renewal date and get the renewal fee waived off
• Hassle-free, one-click instant conversion of the PIXEL Go credit card outstanding balance to EMIs from the PayZapp
• Zero lost card liability 
• Interest Free Credit Period: Get up to 50 days of interest free credit period from the date of purchase 
• Revolving Credit is available at a nominal interest rate
• Avail up to 25% off on all restaurant bill payments via Swiggy Dineout. Choose from 20000 + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. It is valid only on payments done via the Swiggy App
• 1% unlimited cashback on all eligible transactions
• When accumulation of 500 PIXEL CashPoints is reached, redeem them easily to the PayZapp Wallet and use them to purchase your choice of brand vouchers within PayZapp digitally. Pixel CashPoints are valid for 2 years from the date of accumulation
• Get 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000

• No joining fee and annual fee
• Get 4 reward points against every Rs. 100 of online spends
• Get 1 reward point against every Rs. 100 of other spends
• Interest free cash withdrawal: Withdraw cash up to 90% of the total credit limit
• Balance Transfer: The processing fee of Rs. 349 per Rs. 10,000. Continued interest free period on fresh retail purchases. Simply call the bank to transfer other credit card balances
• Add-on Card: Add-on Cards will have all the benefits that  is available on the main on Card
• Fuel & Railway Surcharge waiver:  Get 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000, and 1.8%  for transactions on irctc.co.in and 2.5% Indian railway booking counters

The Milestone Reward Program for 811 #DreamDifferent Credit Card Rupay variant- Milestone Offer benefits will be as per below construct:

Spend Rs. 72,000 in a year and get Amazon vouchers up to Rs. 1000

1. Rs. 250 voucher on spend of Rs. 36,000 in anniversary year
2. Rs. 1000 voucher on spend of Rs. 72,000 in anniversary year

Existing customers will also be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year. Cardholder may select any one of the below options:

Redemption Option 1: Cashback of Rs. 750

• Claim cashback within 3 months after anniversary year gets over
• If claimed, the cashback will reflect in the next billing cycle

Redemption Option 2: 4 free PVR tickets

• Claim PVR tickets within 3 months after the anniversary year gets over
• PVR tickets can be used for any day and any show and are transferrable
• Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com

Pros

• In a year, spend Rs. 50,000 or more before the Credit Card's renewal date and get the renewal fee waived off
• Shop Now and Pay in Parts with flexible low cost EMIs
• Up to 25% discount on partner restaurants via Swiggy Dineout

Cons

• No Golf benefits
• No airport lounge access
• No rewards as such

Pros

• Get 4 reward points against every Rs. 100 of online spends
• Get 1 reward point against every Rs. 100 of other spends
• Spend Rs. 72,000 in a year and get Amazon vouchers up to Rs. 1000

Cons

• No complimentary golf/coaching sessions
• No Complimentary Airport Lounge Access