Credit Cards · Head to Head
Kotak 811 #DreamDifferent Credit Card vs IDFC FIRST Millennia Credit Card
Side-by-side comparison of fees, rewards, and benefits. Find out which card wins for your situation.
Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
Lifetime free annual fee · 1% base rate
Pick this if you want:
- ✓Higher top reward rate (2% on Shopping)
- ✓Higher base reward rate (1% vs 0.75%)
IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Lifetime free annual fee · 0.75% base rate
Pick this if you want:
- ✓Comparable overall — suited to Dining spenders
Full Comparison
Kotak 811 #DreamDifferent Credit Card vs IDFC FIRST Millennia Credit Card — FAQs
Which is better — Kotak 811 #DreamDifferent Credit Card or IDFC FIRST Millennia Credit Card?
It depends on your spending pattern. Kotak 811 #DreamDifferent Credit Card is better if: higher top reward rate (2% on shopping). IDFC FIRST Millennia Credit Card is better if: comparable overall — suited to dining spenders. Use the SingleVerdict finder to get a personalised answer based on your exact income, spending, and goals.
What is the annual fee difference between Kotak 811 #DreamDifferent Credit Card and IDFC FIRST Millennia Credit Card?
Kotak 811 #DreamDifferent Credit Card has an annual fee of Lifetime free. IDFC FIRST Millennia Credit Card has an annual fee of Lifetime free, waivable if Lifetime free, no annual fee under any condition.
Which card has better rewards — Kotak 811 #DreamDifferent Credit Card or IDFC FIRST Millennia Credit Card?
Kotak 811 #DreamDifferent Credit Card earns 1% base reward rate and up to 2% on Shopping. IDFC FIRST Millennia Credit Card earns 0.75% base reward rate and up to 1.25% on Dining. Pick the card whose bonus category matches where you spend the most.
Which card is easier to get approved for?
Kotak 811 #DreamDifferent Credit Card requires a minimum monthly income of not specified. IDFC FIRST Millennia Credit Card requires ₹25,000 and CIBIL score of 700+. Both cards has a lower income threshold and may be easier to qualify for.
Still not sure which one to pick?
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Get My Personalised Verdict →Information on this page is gathered from public sources and card issuers' official websites. Fees and rates may change — verify on the issuer website before applying. SingleVerdict may earn a referral fee if you apply through our links.