Side-by-side · honest numbers
AU Zenith Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, IDFC FIRST HPCL Power+ Credit Card, 811 Dream Different Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST HPCL Power+ Credit Card by about ₹4,970/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹499 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹3,360/yr | ₹8,330/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X points/₹150 | 30 pts/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- 811 Dream Different Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- 811 Dream Different Credit Card leads with an estimated ₹8,330/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Zenith Credit Card
AU Small Finance Bank
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
811 Dream Different Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹499 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹3,360/yr | ₹8,330/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X points/₹150 | 30 pts/₹150 | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | ₹500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹500 |
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https://cardhungry.com/in/en/compare/au-zenith-vs-idfc-hpcl-power-plus-vs-kotak-811-dreamMore AU Zenith Credit Card comparisons
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