Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs 811 Dream Different Credit Card vs slice credit card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, 811 Dream Different Credit Card, slice 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
slice credit card
Slice
Your adjusted comparison
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | 811 Dream Different Credit Card Kotak Mahindra Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,670/yr | ₹6,300/yr | ₹3,240/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Fuel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo | — | — |
| Top reward rate | 5% cashback | 5% | Up to 1% cashback |
| Primary reward cap | ₹250 rewards/mo cap | ₹500 rewards/mo cap | ₹500 rewards/mo cap |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-kotak-811-dream-vs-slice-credit-cardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹2,630/yr.
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 | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,670/yr | ₹6,300/yr | ₹3,240/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Fuel | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo | — | — |
| Top reward rate | 5% cashback | 5% | Up to 1% cashback |
| Primary reward cap | ₹250 rewards/mo cap | ₹500 rewards/mo cap | ₹500 rewards/mo cap |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| 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?
- 811 Dream Different Credit Card leads with an estimated ₹6,300/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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