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Kotak 811 #DreamDifferent vs IRCTC SBI Platinum – Full comparison

Both cards verified with issuer

Kotak 811 #DreamDifferent source IRCTC SBI Platinum source

Annual fee structure is a key difference

Key differences

Lowest fee Kotak 811 #DreamDifferent ₹0

Spend context

At ₹50k/month spend:

  • Kotak 811 #DreamDifferent: ~₹1,000/month at base rate
  • IRCTC SBI Platinum: ~₹130/month at base rate

Approximate, based on base rates (before caps).

Kotak 811 #DreamDifferent KOTAK IRCTC SBI Platinum SBI
Lounge Access
Domestic lounge visits
No difference
 None None
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
₹0 vs ₹500
 ₹0 ₹500
Joining fee
₹0 vs ₹500
 ₹0 ₹500
Fee waiver spend
Only available for IRCTC SBI Platinum
 Not clearly specified ₹75,000
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.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.