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IDFC FIRST Millennia vs Kotak 811 #DreamDifferent – Full comparison
Both cards verified with issuer
IDFC FIRST Millennia source Kotak 811 #DreamDifferent sourceLounge access differs between these cards
Key differences
Best lounge IDFC FIRST Millennia 4/year lounge
Spend context
At ₹50k/month spend:
- Kotak 811 #DreamDifferent: ~₹1,000/month at base rate
- IDFC FIRST Millennia: ~₹250/month at base rate
Approximate, based on base rates (before caps).
| IDFC FIRST Millennia IDFC | Kotak 811 #DreamDifferent KOTAK | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 4/year vs None | 4/year | None |
| Forex / International Use | ||
| Forex markup No difference | 3.5% | 3.5% |
| Fees | ||
| Annual fee No difference | ₹0 | ₹0 |
| Joining fee No difference | ₹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.
Related compare links
- IDFC FIRST Millennia vs IDFC FIRST Private Reserve IDFC vs IDFC
- IDFC FIRST Millennia vs IDFC FIRST Select IDFC vs IDFC
- IDFC FIRST Millennia vs HPCL IDFC First Power+ IDFC vs IDFC
- Kotak 811 #DreamDifferent vs Kotak Mojo Platinum KOTAK vs KOTAK
- Kotak 811 #DreamDifferent vs Kotak Zen Signature KOTAK vs KOTAK
- Kotak 811 #DreamDifferent vs Amazon Pay KOTAK vs ICICI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.