Which card has a lower forex fee: Kotak 811 #DreamDifferent Credit Card or Cashback SBI Card?

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

Which card has a lower annual fee: Kotak 811 #DreamDifferent Credit Card or Cashback SBI Card?

Kotak 811 #DreamDifferent Credit Card has a lower annual fee (₹0 vs ₹999).

Which card offers better lounge access?

Kotak 811 #DreamDifferent Credit Card: No domestic lounge. Cashback SBI 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%).

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Kotak Mahindra Bank 811 #DreamDifferent vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Kotak Mahindra Bank 811 #DreamDifferent and the SBI Card Cashback. 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

811 #DreamDifferent Kotak Mahindra Bank

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

Cashback SBI Card

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

811 #DreamDifferent

2 pts / ₹100 on General spend

Limited data

Cashback

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 SBI Card Cashback: ₹999), 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 Cashback: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

811 #DreamDifferent: Limited data Cashback: 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.

811 #DreamDifferent: Limited data Cashback: 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 Cashback: 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
Cashback SBI Card: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	811 #DreamDifferent Kotak Mahindra Bank	Cashback SBI Card
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 ₹999	₹0	₹999
Joining fee ₹0 vs ₹999	₹0	₹999
Fee waiver spend Only available for Cashback SBI Card	Not specified	₹2,00,000
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 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.