AU Corporate Credit Card VS Kotak 811 #DreamDifferent Credit Card
Both are free cards but for different audiences. Kotak 811 #DreamDifferent is a secured, FD-backed personal card with 4X online reward points and a small fuel waiver, aimed at individuals building credit history. AU Corporate is an unsecured business card with no personal rewards program, instead offering 8 domestic lounge visits a year, a ₹50 lakh air accident cover, and centralised expense-management tools for teams. These serve entirely different needs - Kotak 811 for a first-time individual cardholder, AU Corporate for a business managing multiple employee cards - so the right choice depends on whether you're applying as a person or a company.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Corporate Credit Card
Kotak 811 #DreamDifferent Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Integrated web-based tool for easy expense tracking and efficient management.
Zero liability for fraudulent transactions if the card is reported lost or stolen.
Enjoy significant cost savings with zero joining and renewal fees, making it a lifetime-free card.
Access complimentary domestic airport lounges twice every quarter for comfortable travel.
Benefit from comprehensive insurance coverage, including air accident cover up to ₹50 lakhs.
Pros
Key benefits and features.
Lifetime free card with no joining or annual fees, making it highly affordable.
Excellent for building credit history, issued against FD without income proof.
Attractive rewards on online purchases and valuable waivers on fuel and railway.
Offers welcome benefits and milestone rewards, enhancing overall card value.
Provides interest-free cash withdrawals for up to 48 days, a rare benefit.
Cons
Key drawbacks and limitations.
The card lacks welcome benefits and any additional rewards programs for users.
A foreign currency markup of 2.99% can increase costs for international business transactions.
High annual interest rate of 41.88% makes carrying balances expensive for businesses.
Cons
Key drawbacks and limitations.
Requires a minimum Fixed Deposit of ₹10,000, which might be a barrier.
Foreign currency markup of 3.5% is relatively high for international transactions.
High interest rate of 45% annually if card balances are not paid in full.
Reward points are not earned on fuel, railway, and cash withdrawal transactions.
Maximum fuel and railway surcharge waivers are capped annually, limiting benefits.