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BOBCARD Eterna Credit Card vs 811 Dream Different Credit Card

Honest side-by-side comparison of BOBCARD Eterna 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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Spend assumptions

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

BOBCARD Eterna Credit Card

BOBCARD

811 Dream Different Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature
BOBCARD Eterna Credit Card

BOBCARD Eterna Credit Card

BOBCARD

811 Dream Different Credit Card

811 Dream Different Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹2,499Lifetime free
Fee waiver thresholdWaived at ₹2,50,000/yr spendLifetime free
Min income₹50,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,860/yr₹540/yr
Online shopping₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr)₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)
Dining & delivery₹3,500 → 525 pts/mo × ₹0.25/pt = ₹131.25/mo (₹1,575/yr)—
Travel₹3,000 → 450 pts/mo × ₹0.25/pt = ₹112.50/mo (₹1,350/yr)—
Top reward rate15 points / ₹100 (3.75% at ₹0.25)2 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot 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 exclusionsFuelEMI · Fuel · Rent
Bonuses
Signup bonus₹2,500₹500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

BOBCARD Eterna 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, BOBCARD Eterna Credit Card leads 811 Dream Different Credit Card by about ₹7,320/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

BOBCARD Eterna Credit Card vs 811 Dream Different Credit Card comparison table
FeatureBOBCARD Eterna Credit Card

BOBCARD

811 Dream Different Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹2,499Lifetime free
Fee waiver thresholdWaived at ₹2,50,000/yr spendLifetime free
Min income₹50,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹7,860/yr₹540/yr
Online shopping₹8,000 → 1,200 pts/mo × ₹0.25/pt = ₹300/mo (₹3,600/yr)₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)
Dining & delivery₹3,500 → 525 pts/mo × ₹0.25/pt = ₹131.25/mo (₹1,575/yr)—
Travel₹3,000 → 450 pts/mo × ₹0.25/pt = ₹112.50/mo (₹1,350/yr)—
Top reward rate15 points / ₹100 (3.75% at ₹0.25)2 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot 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 exclusionsFuelEMI · Fuel · Rent
Bonuses
Signup bonus₹2,500₹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?
BOBCARD Eterna Credit Card leads with an estimated ₹7,860/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.

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