Side-by-side · honest numbers
HDFC Diners Club Black Metal vs 811 Dream Different Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of HDFC Diners Club Black Metal, 811 Dream Different Credit Card, SBI SimplySAVE — 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 SBI SimplySAVE by about ₹2,849/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | 811 Dream Different Credit Card Kotak Mahindra Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹0 | ₹499 |
| Min income (monthly) | ₹1,50,000 | ₹20,000 | ₹18,000 |
| Top reward rate | 10X points | 5% | 10 RP/₹100 |
| Net annual value (moderate spend) | -₹5,617/yr | ₹8,330/yr | ₹5,481/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | ₹500 | ₹2,000 |
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?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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 | 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 | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹0 | ₹499 |
| Min income | ₹1,50,000 | ₹20,000 | ₹18,000 |
| Top reward rate | 10X points | 5% | 10 RP/₹100 |
| Net value (moderate) | -₹5,617/yr | ₹8,330/yr | ₹5,481/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | ₹500 | ₹2,000 |
More HDFC Diners Club Black Metal comparisons
- HDFC Diners Club Black Metal vs AU Altura Credit Card
- HDFC Diners Club Black Metal vs AU Zenith Credit Card
- HDFC Diners Club Black Metal vs American Express Gold Card
- HDFC Diners Club Black Metal vs American Express Platinum Travel Card
- HDFC Diners Club Black Metal vs Amex Membership Rewards CC
- HDFC Diners Club Black Metal vs Axis Bank ACE Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Atlas Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Flipkart Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Magnus Credit Card
- HDFC Diners Club Black Metal vs Axis Bank My Zone Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Neo Credit Card
- HDFC Diners Club Black Metal vs Axis Bank Privilege Credit Card