Side-by-side · honest numbers
HDFC Diners Club Black Metal vs Swiggy HDFC Bank Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, Swiggy HDFC Bank 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of 811 Dream Different Credit Card by about ₹3,820/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | Swiggy HDFC Bank Credit Card HDFC Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹500 | ₹0 |
| Min income (monthly) | ₹1,50,000 | ₹25,000 | ₹20,000 |
| Top reward rate | 10X points | 10% | 5% |
| Net annual value (moderate spend) | -₹5,617/yr | ₹12,150/yr | ₹8,330/yr |
| Secured / FD-backed | No | No | No |
| 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?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/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.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC 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 |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹500 | ₹0 |
| Min income | ₹1,50,000 | ₹25,000 | ₹20,000 |
| Top reward rate | 10X points | 10% | 5% |
| Net value (moderate) | -₹5,617/yr | ₹12,150/yr | ₹8,330/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹500 |
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