Side-by-side · honest numbers
LIC Axis Bank Signature Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of LIC Axis Bank Signature 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
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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.
LIC Axis Bank Signature Credit Card
Axis Bank
811 Dream Different Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | LIC Axis Bank Signature Credit Card Axis Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,309/yr | ₹540/yr |
| Online shopping | — | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) |
| Top reward rate | 2 points / ₹100 | 2 RP/₹100 |
| Primary reward cap | ₹400/month | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | 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 | Fuel · Wallet · EMI · Utilities · Education | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Stack mode (hold both)
Cap-aware split: ~₹1,414/yr combined NAV (₹105 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-lic-signature-vs-kotak-811-dreamReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, LIC Axis Bank Signature Credit Card leads 811 Dream Different Credit Card by about ₹769/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
| Feature | LIC Axis Bank Signature Credit Card Axis Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,309/yr | ₹540/yr |
| Online shopping | — | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) |
| Top reward rate | 2 points / ₹100 | 2 RP/₹100 |
| Primary reward cap | ₹400/month | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | 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 | Fuel · Wallet · EMI · Utilities · Education | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- LIC Axis Bank Signature Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- LIC Axis Bank Signature Credit Card leads with an estimated ₹1,309/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- LIC Axis Bank Signature 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.
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