Which card has a lower forex fee: Axis Bank ACE Credit Card or Kotak 811 #DreamDifferent Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or Kotak 811 #DreamDifferent Credit Card?

Kotak 811 #DreamDifferent Credit Card has a lower annual fee (₹0 vs ₹499).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. Kotak 811 #DreamDifferent Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs Kotak Mahindra Bank 811 #DreamDifferent Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the Kotak Mahindra Bank 811 #DreamDifferent. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge Axis Bank ACE

Quick comparison

Three core metrics

ACE Axis Bank

Annual fee ₹499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

811 #DreamDifferent Kotak Mahindra Bank

Annual fee ₹0
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

ACE

1.5% · Up to 5% on Google Pay

Limited data

811 #DreamDifferent

2 pts / ₹100

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs Kotak Mahindra Bank 811 #DreamDifferent: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank ACE wins

Axis Bank ACE is better for lounge access

Axis Bank ACE is stronger here. Domestic lounge access is 4 per year.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank ACE conservative base value ~1.5% per ₹100. Kotak Mahindra Bank 811 #DreamDifferent is not safely INR-comparable (no usable point value).

ACE: Limited data 811 #DreamDifferent: Limited data

Axis Bank ACE

Confidence: Low (limited information available)

Verify with issuer

Kotak Mahindra Bank 811 #DreamDifferent

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
Kotak 811 #DreamDifferent: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	811 #DreamDifferent Kotak Mahindra Bank
Lounge Access
Domestic lounge visits 4/year vs No complimentary lounge access	4/year	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹499 vs ₹0	₹499	₹0
Joining fee ₹499 vs ₹250	₹499	₹250
Fee waiver spend Only available for ACE	₹2,00,000	Not specified
Interest-free period Up to 50 days vs Up to 51 days	Up to 50 days	Up to 51 days
Rewards
Base earn 1.5% vs 2 pts / ₹100	1.5%	2 pts / ₹100
Conservative base value ~1.5% vs Not safely INR-comparable	~1.5%	Not safely INR-comparable
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for ACE	₹1	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.