Which card has the lower annual fee?

IDFC FIRST WOW 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.

Which cards are secured (FD-backed)?

IDFC FIRST WOW Credit Card 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

HSBC Cashback Credit Card vs IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card

Honest side-by-side comparison of HSBC Cashback Credit Card, IDFC FIRST WOW 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 HSBC Cashback Credit Card by about ₹389/yr.

HSBC Cashback Credit Card vs IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card comparison table
Feature	HSBC Cashback Credit Card HSBC	IDFC FIRST WOW Credit Card IDFC FIRST Bank	811 Dream Different Credit Card Kotak Mahindra Bank
Annual fee	₹999	₹0	₹0
Min income (monthly)	₹40,000	Not stated	₹20,000
Top reward rate	10%	1X reward points	5%
Net annual value (moderate spend)	₹7,941/yr	₹800/yr	₹8,330/yr
Secured / FD-backed	No	Yes	No
Signup bonus	—	—	₹500

Frequently asked questions

Which card has the lower annual fee?: IDFC FIRST WOW 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.
Which cards are secured (FD-backed)?: IDFC FIRST WOW Credit Card 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	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST 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	₹999	₹0	₹0
Min income	₹40,000	Not stated	₹20,000
Top reward rate	10%	1X reward points	5%
Net value (moderate)	₹7,941/yr	₹800/yr	₹8,330/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	₹500

HSBC Cashback Credit Card details →IDFC FIRST WOW Credit Card details →811 Dream Different Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Cashback Credit Card comparisons