Add more cards → Shortlist 2–4 cards

Swiggy HDFC Bank vs Kotak 811 #DreamDifferent – Full comparison

Both cards verified with issuer

Swiggy HDFC Bank source Kotak 811 #DreamDifferent source

Annual fee structure is a key difference

Key differences

Lowest fee Kotak 811 #DreamDifferent ₹0

Spend context

At ₹50k/month spend:

  • Kotak 811 #DreamDifferent: ~₹1,000/month at base rate
  • Swiggy HDFC Bank: ~₹500/month at base rate

Approximate, based on base rates (before caps).

Swiggy HDFC Bank HDFC Kotak 811 #DreamDifferent KOTAK
Lounge Access
Domestic lounge visits
No difference
 None None
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
₹500 vs ₹0
 ₹500 ₹0
Joining fee
₹500 vs ₹0
 ₹500 ₹0
Fee waiver spend
Only available for Swiggy HDFC Bank
 ₹2,00,000 Not clearly specified
Rewards
Points per ₹100
1 pts vs 2 pts
 1 pts 2 pts
Point cash value
No difference
 ₹1 ₹1

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.