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?

Axis IOCL Credit Card leads with an estimated ₹1,046/yr net annual value on moderate spend.

Which card has the lower income requirement?

811 Dream Different 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.

Side-by-side · honest numbers

Axis IOCL Credit Card vs 811 Dream Different Credit Card

Honest side-by-side comparison of Axis IOCL Credit Card, 811 Dream Different Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

Axis IOCL Credit Card

Axis Bank

Card 2

811 Dream Different Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	Axis IOCL Credit Card Axis Bank	811 Dream Different Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	Lifetime free
Fee waiver threshold	Waived at ₹3,50,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,046/yr	₹540/yr
Online shopping	₹5,000 → 250 pts/mo × ₹0.20/pt = ₹50.00/mo (₹600/yr) · cap reached	₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)
Fuel	₹900 → 180 pts/mo × ₹0.20/pt = ₹36/mo (₹432/yr) · issuer max ₹5,000/mo	—
Top reward rate	20 Edge Miles/₹100	2 RP/₹100
Primary reward cap	₹5,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None
UPI rewards	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Axis MITC	Earns: 2 RP/₹100 online; 1 RP/₹100 other (incl. UPI) at catalogue ~₹0.25/pt · cap No separate cashback cap — points earn
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹500

Stack mode (hold both)

Cap-aware split: ~₹2,280/yr combined NAV (₹1,234 vs best solo). Both annual fees apply.

Axis IOCL Credit Card details →811 Dream Different Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis IOCL Credit Card leads 811 Dream Different Credit Card by about ₹506/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis IOCL Credit Card vs 811 Dream Different Credit Card comparison table
Feature	Axis IOCL Credit Card Axis Bank	811 Dream Different Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	Lifetime free
Fee waiver threshold	Waived at ₹3,50,000/yr spend	Lifetime free
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,046/yr	₹540/yr
Online shopping	₹5,000 → 250 pts/mo × ₹0.20/pt = ₹50.00/mo (₹600/yr) · cap reached	₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)
Fuel	₹900 → 180 pts/mo × ₹0.20/pt = ₹36/mo (₹432/yr) · issuer max ₹5,000/mo	—
Top reward rate	20 Edge Miles/₹100	2 RP/₹100
Primary reward cap	₹5,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None
UPI rewards	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Axis MITC	Earns: 2 RP/₹100 online; 1 RP/₹100 other (incl. UPI) at catalogue ~₹0.25/pt · cap No separate cashback cap — points earn
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹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?: Axis IOCL Credit Card leads with an estimated ₹1,046/yr net annual value on moderate spend.
Which card has the lower income requirement?: 811 Dream Different 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Axis IOCL Credit Card comparisons