Which card has a lower forex fee: Kotak 811 #DreamDifferent Credit Card or IndianOil RBL Bank XTRA Credit Card?

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

Which card has a lower annual fee: Kotak 811 #DreamDifferent Credit Card or IndianOil RBL Bank XTRA Credit Card?

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

Which card offers better lounge access?

Kotak 811 #DreamDifferent Credit Card: No domestic lounge. IndianOil RBL Bank XTRA 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 ~0.25%).

Pairwise comparison Add another card →

Kotak Mahindra Bank 811 #DreamDifferent vs RBL Bank IndianOil RBL Bank XTRA Credit Cards – Fees, Lounge, Forex

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

Low fee Kotak Mahindra Bank 811 #DreamDifferent

Quick comparison

Three core metrics

811 #DreamDifferent Kotak Mahindra Bank

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

IndianOil RBL Bank XTRA RBL Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

811 #DreamDifferent

2 pts / ₹100 on General spend

Limited data

IndianOil RBL Bank XTRA

1% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Kotak Mahindra Bank 811 #DreamDifferent: ₹0 vs RBL Bank IndianOil RBL Bank XTRA: ₹500), 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%.

811 #DreamDifferent: Limited data IndianOil RBL Bank XTRA: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

811 #DreamDifferent: Limited data IndianOil RBL Bank XTRA: 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.

811 #DreamDifferent: Limited data IndianOil RBL Bank XTRA: 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.

811 #DreamDifferent: Limited data IndianOil RBL Bank XTRA: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. Mastercard 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
IndianOil RBL Bank XTRA: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	811 #DreamDifferent Kotak Mahindra Bank	IndianOil RBL Bank XTRA RBL Bank
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹0 vs ₹500	₹0	₹500
Joining fee ₹0 vs ₹500	₹0	₹500
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

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