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.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Swiggy HDFC Bank Credit Card vs 811 Dream Different Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, 811 Dream Different Credit Card, SBI Card against Fixed Deposit — 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.

Swiggy HDFC Bank Credit Card vs 811 Dream Different Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	Swiggy HDFC Bank Credit Card HDFC Bank	811 Dream Different Credit Card Kotak Mahindra Bank	SBI Card against Fixed Deposit SBI Card
Annual fee	₹500	₹0	₹0
Min income (monthly)	₹25,000	₹20,000	Not stated
Top reward rate	10%	5%	80% of FD value
Net annual value (moderate spend)	₹12,150/yr	₹8,330/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
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.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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.

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Your adjusted comparison

Feature	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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Annual fee	₹500	₹0	₹0
Min income	₹25,000	₹20,000	Not stated
Top reward rate	10%	5%	80% of FD value
Net value (moderate)	₹12,150/yr	₹8,330/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	₹500	—

Swiggy HDFC Bank Credit Card details →811 Dream Different Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Swiggy HDFC Bank Credit Card comparisons