All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
Kotak 811 #DreamDifferent vs HDFC Millennia
Quick answer
Kotak 811 #DreamDifferent wins this comparison on 3 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
Kotak Mahindra Bank
Kotak 811 #DreamDifferent
Visa
HDFC Bank
HDFC Millennia
Visa · Mastercard
Our pick
Kotak 811 #DreamDifferent edges it for most people.
It wins on 3 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | Kotak 811 #DreamDifferent | HDFC Millennia |
|---|---|---|
| Annual fee | Free ✓ | ₹1,000 |
| Top reward rate | 1% | 5% ✓ |
| Lounge visits/yr | 0 | 8 ✓ |
| Forex markup | 4% | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | None ✓ | ₹30,000 |