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

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

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

Kotak 811 #DreamDifferent Credit Card has a lower annual fee (₹0 vs ₹799).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter 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 IndiGo vs Kotak Mahindra Bank 811 #DreamDifferent Credit Cards – Fees, Lounge, Forex

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

Lounge Axis Bank IndiGo

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · 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

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

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 IndiGo: ₹799 vs Kotak Mahindra Bank 811 #DreamDifferent: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

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

Axis Bank IndiGo is better for lounge access

Axis Bank IndiGo is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). Kotak Mahindra Bank 811 #DreamDifferent is not safely INR-comparable (no usable point value).

IndiGo: Limited data 811 #DreamDifferent: Limited data

Axis Bank IndiGo

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:

IndiGo Axis Bank: Base earn not clearly specified
Kotak 811 #DreamDifferent: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	811 #DreamDifferent Kotak Mahindra Bank
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹0	₹799	₹0
Joining fee ₹799 vs ₹250	₹799	₹250
Interest-free period Up to 50 days vs Up to 51 days	Up to 50 days	Up to 51 days
Rewards
Points per ₹100 1 pt / ₹100 vs 2 pts / ₹100	1 pt / ₹100	2 pts / ₹100

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.