Which card has the lower annual fee?

IDFC FIRST WOW 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?

811 Dream Different Credit Card lists a minimum monthly income of ₹20,000.

Which cards are secured (FD-backed)?

IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.

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

Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, IDFC FIRST WOW 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 WOW Credit Card by about ₹7,530/yr.

Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	811 Dream Different Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated	₹20,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹800/yr	₹8,330/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	5% cashback → ₹500/mo (₹6,000/yr)
Top reward rate	2X reward points	1X reward points	5%
Primary reward cap	No monthly cap published	No monthly cap published	₹500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs	Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap
Key exclusions	EMI · Fuel · Rent	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—	₹500

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST WOW 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?: 811 Dream Different Credit Card lists a minimum monthly income of ₹20,000.
Which cards are secured (FD-backed)?: IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
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.

Card 1

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Card 3

811 Dream Different Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank	IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW 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	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹25,000/mo	Not stated	₹20,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹800/yr	₹8,330/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	5% cashback → ₹500/mo (₹6,000/yr)
Top reward rate	2X reward points	1X reward points	5%
Primary reward cap	No monthly cap published	No monthly cap published	₹500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs	Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap
Key exclusions	EMI · Fuel · Rent	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—	₹500

Bajaj Finserv DBS Bank SuperCard details →IDFC FIRST WOW Credit Card details →811 Dream Different Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv DBS Bank SuperCard comparisons