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Kotak Mahindra Bank · Kotak Mahindra Bank
811 #DreamDifferent vs PVR Gold
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
44composite score
95% rule confidence
95% rule confidence
Winner
39composite score
82% rule confidence
82% rule confidence
Annual fee
Lifetime free
₹499
Network
Mastercard
Visa
Base reward rate
0.5%
0%
Min. income (monthly)
₹15,000
—
Min. credit score
650+
—
Best for
Dining
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
811 #DreamDifferent edges out for most wallets.
- Better base rate, 0.5% vs 0% on everything outside a bonus bucket.
- Lifetime free, you skip ₹499/yr on the other card.
Composite score
811 #DreamDifferent44
PVR Gold39
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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