Side-by-side · honest numbers
HDFC Diners Club Black Metal vs ICICI Bank MakeMyTrip Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, ICICI Bank MakeMyTrip 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 ICICI Bank MakeMyTrip Credit Card by about ₹4,430/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹1,50,000/mo | ₹35,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | ₹3,900/yr | ₹8,330/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — |
| Top reward rate | 10X points | 10X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | ₹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?
- 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.
- 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.
HDFC Diners Club Black Metal
HDFC Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
811 Dream Different Credit Card
Kotak Mahindra Bank
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 | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI 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 | ₹10,000 | ₹999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹1,50,000/mo | ₹35,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,300/yr | ₹3,900/yr | ₹8,330/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | 5 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — |
| Top reward rate | 10X points | 10X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international · No minimum spend — show physical card at lounge (DreamFolks / Diners network) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | ₹500 |
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https://cardhungry.com/in/en/compare/hdfc-diners-black-vs-icici-makemytrip-vs-kotak-811-dreamMore HDFC Diners Club Black Metal comparisons
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