1.5% · Up to 5% on Google Pay
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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.
The short answer
VerdictPick ACE for lounge access.
Head-to-head
Three core metrics- Annual fee 811 #DreamDifferent saves ₹499/yrACE ₹499 Waivable at ₹2,00,000 spend811 #DreamDifferent ₹0
- Forex markup ACE 3.5%811 #DreamDifferent 3.5%
- Domestic lounge ACE: +4 lounge visits/yrACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months811 #DreamDifferent No complimentary lounge access
Reward earning explained
Per card2 pts / ₹100
Strong dataPick based on what matters
3 dimensionsStart 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).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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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).
All fields
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.
| Field | ACE Axis Bank | 811 #DreamDifferent Kotak Mahindra Bank |
|---|---|---|
| Insurance — Lost card liability cover Only available for Kotak 811 #DreamDifferent | Not specified | ₹2.5 lakh |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs No complimentary lounge access | 4/year | No complimentary lounge access |
| International lounge visits Only available for ACE | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹499 vs ₹0 | ₹499 | ₹0 |
| Annual-fee waiver 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 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit Only available for ACE | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | Not specified |
| 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 |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs Not stated | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | Not stated |
| 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
- Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank ACE
Verify with issuer , opens external siteKotak Mahindra Bank 811 #DreamDifferent
Verify with issuer , opens external site