Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback 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.
HDFC Bharat Cashback Credit Card
HDFC Bank
811 Dream Different Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹50,000/yr spend | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,240/yr | ₹540/yr |
| Online shopping | — | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) |
| Groceries (offline) | ₹5,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Fuel | ₹3,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Utilities & bills | ₹3,500 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Top reward rate | 5% cashback | 2 RP/₹100 |
| Primary reward cap | ₹150 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | 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 | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Stack mode (hold both)
Cap-aware split: ~₹3,345/yr combined NAV (₹105 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-kotak-811-dreamReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads 811 Dream Different Credit Card by about ₹2,700/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 | HDFC Bharat Cashback Credit Card HDFC Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹50,000/yr spend | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,240/yr | ₹540/yr |
| Online shopping | — | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) |
| Groceries (offline) | ₹5,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Fuel | ₹3,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Utilities & bills | ₹3,500 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Top reward rate | 5% cashback | 2 RP/₹100 |
| Primary reward cap | ₹150 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | 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 | EMI · Rent · Wallet loads · Insurance | 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?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹3,240/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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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