Kotak Mahindra Bank 811 #DreamDifferent vs IDFC FIRST Bank FIRST WOW
Side-by-side for the example profile – edit spend and travel needs to make it yours.
811 #DreamDifferent vs FIRST WOW (Sept 2026): for the standard ₹32k/month profile IDFC FIRST Bank FIRST WOW wins on score (33/100, ₹2,307 recurring net savings a year) vs 811 #DreamDifferent 31/100 (₹1,710). Cheapest to hold: 811 #DreamDifferent (lifetime free). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
Kotak Mahindra Bank 811 #DreamDifferent scores highest (31/100) with ₹1,710 recurring net savings a year. IDFC FIRST Bank FIRST WOW saves more in pure rupees (₹2,307) but scores lower on redemption, lifestyle or fee safety.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 31/100 | 33/100 BEST |
| Recurring net savings | ₹1,710/yr | ₹2,307/yr BEST |
| Effective savings rate | 0.5% | 0.7% BEST |
| Annual fee incl. GST | Free for life | Free for life |
| Usable lounge visits | ✈ none you can use 0 | ✈ none you can use 0 |
| Why it fits | ✓ 2 points/₹100 on online spends earns you about ₹996 a year on… | ✓ Base rate 0.67% on other spends earns you about ₹1,947 a year on… |
| Main drawback | ! No usable lounge access although you asked for it. | ! No usable lounge access although you asked for it. |
| How the net figure adds up | ||
| + Reward value on your spend | ₹1,225 at ₹0.25/Reward Points | ₹1,947 at ₹0.25/IDFC Reward Points BEST |
| + Milestone bonuses you reach | ₹125 1 of 1 achieved BEST | none |
| + Fuel surcharge waiver | ₹360 | ₹360 |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 lifetime free | ₹0 lifetime free |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹1,710/yr | ₹2,307/yr BEST |
| ÷ Card spend counted | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 0.5% | 0.7% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹108 0.1% | ₹289 0.4% BEST |
| Dining & food delivery (₹48,000/yr) | ₹190 0.4% | ₹283 0.6% BEST |
| Online shopping (₹72,000/yr) | ₹360 0.5% | ₹482 0.7% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹27 0.1% | ₹72 0.4% BEST |
| Bills & utilities (₹30,000/yr) | ₹150 0.5% | ₹201 0.7% BEST |
| Flights (₹24,000/yr) | ₹120 0.5% | ₹161 0.7% BEST |
| Hotels (₹12,000/yr) | ₹60 0.5% | ₹80 0.7% BEST |
| Movies & OTT (₹9,600/yr) | ₹48 0.5% | ₹64 0.7% BEST |
| Insurance premiums (₹18,000/yr) | ₹90 0.5% | ₹121 0.7% BEST |
| Everything else (₹48,000/yr) | ₹72 0.1% | ₹193 0.4% BEST |
| Base earn rate | 0.25% | 0.67% BEST |
| Accelerated categories | 1 rule
| None |
| Excluded categories | fuel, rent | fuel, rent |
| Caps hit for your spend | None | None |
| Milestones |
| None |
| UPI rewards (RuPay) | Not UPI-enabled | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹0 + GST | ₹0 + GST |
| Fee waiver | Lifetime free | Lifetime free |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | None | None |
| First-year value (separate) | ₹1,710 | ₹2,307 BEST |
| Travel | ||
| Domestic lounge entitlement | None | None |
| International lounge entitlement | None | None |
| Lounge condition | None | None |
| Forex markup | 3.5% | 0% BEST |
| Redemption & simplicity | ||
| Reward currency | Reward Points · ₹0.25/unit | IDFC Reward Points · ₹0.25/unit |
| How to redeem | Details1 point = ₹0.25. | Details1 RP = ₹0.25. |
| Redemption flexibility | ★★★☆☆ | ★★★☆☆ |
| Simplicity | ★★★★☆ | ★★★★☆ |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver | fuel waiver, zero forex |
| Eligibility | Fixed deposit of ₹5,000+; no income proof | Fixed deposit of ₹5,000+; no income proof |
| Score breakdown | ||
| Net savings rate | 11/100 × 55% = 5.8 | 14/100 × 55% = 7.9 |
| Usable lounge access | 0/100 × 15% = 0.0 | 0/100 × 15% = 0.0 |
| Redemption flexibility | 60/100 × 10% = 6.0 | 60/100 × 10% = 6.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Simplicity | 80/100 × 5% = 4.0 | 80/100 × 5% = 4.0 |
| Fee safety | 100/100 × 5% = 5.0 | 100/100 × 5% = 5.0 |
| Sources | ||
| Official source | Kotak Mahindra Bank – 811 #DreamDifferent product page | IDFC FIRST Bank – FIRST WOW product page |
| Last reviewed | 2026-09-12 | 2026-09-12 |
Frequently asked questions
Which is better: 811 #DreamDifferent or FIRST WOW?
For the example profile, IDFC FIRST Bank FIRST WOW scores highest (33/100, ₹2,307 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
811 #DreamDifferent: lifetime free; FIRST WOW: lifetime free.