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ICICI Bank HPCL Platinum Credit Card VS Kotak 811 #DreamDifferent Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Kotak 811 #DreamDifferent is a free, FD-backed card for new credit users with 4X points on online spends and a small fuel waiver. ICICI Bank HPCL Platinum charges a low ₹199 + GST but is built specifically for HPCL fuel spenders - 2.5% cashback on HPCL fuel plus international lounge access via Dreamfolks, a rare perk at this fee point. If fuel savings and occasional international lounge access matter more than a zero fee, HPCL Platinum's ₹199 is easily worth it; if you need a secured card with no fee at all, Kotak 811 remains the simpler choice.

ICICI Bank HPCL Platinum Credit Card
ICICI Bank HPCL Platinum Credit Card
Kotak 811 #DreamDifferent Credit Card
Kotak 811 #DreamDifferent Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining FeeLifetime Free
Renewal Fee₹199 + GST
Renewal FeeLifetime Free
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Spend Based Waiver
Foreign Transaction Fees3.50% on all foreign currency spends.
Foreign Transaction Fees3.5% on all international transactions.
Interest Rate (APR)3.40% per month (equivalent to 40.8% annually).
Interest Rate (APR)3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
Welcome BonusReceive 500 bonus Reward Points on spending ₹5,000 or more within the first 45 days.
Rewards RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Rewards RateEarn 4 RP for every ₹100 online spends; 1 RP for every ₹100 on other transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
International Lounge Access
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Travel Benefits1.8% railway surcharge waiver on irctc.co.in, 2.5% on counters (max ₹500/year).
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Movie Benefits
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹4,000, max ₹3,500 per year.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
Cash Advance Charges₹300 per ₹10,000 withdrawal; ₹100 processing fee; interest-free for up to 48 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Platinum Credit Card

Kotak 811 #DreamDifferent Credit Card

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

Who is it for?

The Kotak 811 #DreamDifferent Credit Card is a secured credit card, ideal for individuals looking to build credit history without income proof, as it's issued against a Fixed Deposit. It's lifetime free with no joining or annual fees, making it highly accessible. Cardholders enjoy attractive rewards on online spends, welcome benefits, milestone rewards, and valuable waivers on fuel and railway surcharges. This card is an excellent entry-level option for those seeking a secured card with significant benefits.

Pros

Key benefits and features.

Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.

Low joining and annual fees, easily waived by spending Rs. 50,000 annually.

Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.

Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.

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 has been discontinued, limiting new applications and future availability.

A redemption fee of Rs. 99 is charged on every reward point redemption request.

Lacks comprehensive insurance benefits, which might be a drawback for some users.

Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Kotak 811 #DreamDifferent Credit Card(opens in new tab)