Kotak 811 #DreamDifferent Credit Card vs HDFC Millennia Credit Card

• 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

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

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

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits