Iconia Amex Credit Card vs Kotak 811 #DreamDifferent Credit Card

• Book movie tickets with Bookmyshow and Sathyam
• Indulge in golf sessions at the most stunning and luxurious golf clubs across India
• Enjoy access to 600+ lounges across the globe with a complimentary Priority Pass and also avail of numerous other travel offers.
• Travel Insurance Cover
• Air accident cover

* No joining fee and annual fee
* Get 2 reward points against every Rs. 100 of online spends
* Get 1 reward point against every Rs. 100 of other spends
* Avail 500 bonus reward points on Activation + Rs. 5000 spends in the first 45 days of the card set up
* Interest free cash withdrawal: Withdraw cash up to 90% of the total credit limit. Processing fee of Rs. 300 per Rs. 10,000 withdrawal, and interest will not be charged up to 48 days on cash advance
* 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 

* Do note in addition to the reward points that will be earned on transactions, cardholder will even be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year as per eligibility. Cardholder can select any one of the below options:
Redemption Option 1: Cashback of Rs. 750
* Caim 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.
* The PVR tickets can be used for any day and any show and they are transferrable.

Pros

• American Express Lounge Access
• Enjoy a waiver* of 1% on fuel surcharge at any fuel station across India.
• ‘Total Protect’ is a first-of-its-kind program that covers you for a sum up to the credit limit on credit card and is also available on add-on cards.

Cons

• One-time joining fee: Rs. 10,000

Pros

* Do note in addition to the reward points that will be earned on transactions, cardholder will even be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year as per eligibility. Cardholder can select any one of the below options:
Redemption Option 1: Cashback of Rs. 750
* Caim 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.
* The PVR tickets can be used for any day and any show and they are transferrable.

Cons:

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