Kotak 811 #DreamDifferent Credit Card vs HDFC Regalia First Credit Card

Joining Fees

₹0

₹1,000

Editor's Rating

3.5

4.1

Key Features

  • 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

 

  • You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
    In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
    Accidental air death cover worth Rs. 50 lakhs
    Emergency overseas hospitalization up to Rs. 10 lakhs
    Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000
    Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
    Avail up to 5% cashback on travel and shopping spends on SmartBuy
    Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
    Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities

    Rewards Rate:
    * 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay

Editor's Review

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
* Enjoy exclusive dining privileges with a 15% discount at partner restaurants
* Avail 4 Reward Points for every Rs. 150 spent

Cons
* No complimentary offers for movie tickets
* No travel benefits in the form of lounge access and there are no air miles or co-branded benefits provided


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