Which card has a lower forex fee: IDFC FIRST Millennia Credit Card or Kotak 811 #DreamDifferent Credit Card?

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

Which card has a lower annual fee: IDFC FIRST Millennia Credit Card or Kotak 811 #DreamDifferent Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDFC FIRST Millennia Credit Card: 4/year 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 ~0.5%).

Pairwise comparison Add another card →

IDFC FIRST Bank Millennia vs Kotak Mahindra Bank 811 #DreamDifferent Credit Cards – Fees, Lounge, Forex

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

Lounge IDFC FIRST Bank Millennia

Quick comparison

Three core metrics

Millennia IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year

811 #DreamDifferent Kotak Mahindra Bank

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

Reward earning explained

Per card

Millennia

3 pts / ₹150 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 (IDFC FIRST Bank Millennia: ₹0 vs Kotak Mahindra Bank 811 #DreamDifferent: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Millennia: Limited data 811 #DreamDifferent: Limited data
Lounge access IDFC FIRST Bank Millennia wins

IDFC FIRST Bank Millennia is better for lounge access

IDFC FIRST Bank Millennia is stronger here. Domestic lounge access is 4/year.

Millennia: Limited data 811 #DreamDifferent: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Kotak Mahindra Bank 811 #DreamDifferent has comparable evidence here. Estimated base reward value is ~2% on base spend.

Millennia: Limited data 811 #DreamDifferent: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹0.

Millennia: 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
IDFC FIRST Millennia: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Millennia IDFC FIRST Bank	811 #DreamDifferent Kotak Mahindra Bank
Lounge Access
Domestic lounge visits 4/year vs No lounge access	4/year	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Rewards
Reward points (base spend) 3 pts/₹150 vs 2 pts/₹100	3 pts/₹150	2 pts/₹100
Point cash value ₹0.25 vs ₹1	₹0.25	₹1

Notes

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