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

Kotak 811 #DreamDifferent Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

Swiggy HDFC Bank Credit Card: No domestic lounge. Kotak 811 #DreamDifferent Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Kotak 811 #DreamDifferent Credit Card has higher base reward value (~2% vs ~1%).

Pairwise comparison Add another card →

HDFC Bank Swiggy vs Kotak Mahindra Bank 811 #DreamDifferent Credit Cards – Fees, Lounge, Forex

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

Rewards Kotak Mahindra Bank 811 #DreamDifferent Low fee Kotak Mahindra Bank 811 #DreamDifferent

Quick comparison

Three core metrics

Swiggy HDFC Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

811 #DreamDifferent Kotak Mahindra Bank

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

Reward earning explained

Per card

Swiggy

1% on General spend

Limited data

811 #DreamDifferent

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Swiggy: ₹500 vs Kotak Mahindra Bank 811 #DreamDifferent: ₹0), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Swiggy: Limited data 811 #DreamDifferent: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Swiggy: Limited data 811 #DreamDifferent: Limited data
Rewards Kotak Mahindra Bank 811 #DreamDifferent wins

Kotak Mahindra Bank 811 #DreamDifferent is better for rewards

Kotak Mahindra Bank 811 #DreamDifferent is stronger here. Estimated base reward value is ~2% on base spend.

Swiggy: Limited data 811 #DreamDifferent: Limited data
Annual fee Kotak Mahindra Bank 811 #DreamDifferent wins

Kotak Mahindra Bank 811 #DreamDifferent is better for fees

Kotak Mahindra Bank 811 #DreamDifferent is stronger here. Annual fee is ₹0.

Swiggy: Limited data 811 #DreamDifferent: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

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

Illustrative only, using current base rates before caps.

Field	Swiggy HDFC Bank	811 #DreamDifferent Kotak Mahindra Bank
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	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 specified
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.