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.

Side-by-side · honest numbers

HSBC Cashback Credit Card vs 811 Dream Different Credit Card

Honest side-by-side comparison of HSBC Cashback 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 leads HSBC Cashback Credit Card by about ₹389/yr in estimated net value.

HSBC Cashback Credit Card vs 811 Dream Different Credit Card comparison table
Feature	HSBC Cashback Credit Card HSBC	811 Dream Different Credit Card Kotak Mahindra Bank
Annual fee	₹999	₹0
Min income (monthly)	₹40,000	₹20,000
Top reward rate	10%	5%
Net annual value (moderate spend)	₹7,941/yr	₹8,330/yr
Secured / FD-backed	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?: 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.

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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	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
Min income	₹40,000	₹20,000
Top reward rate	10%	5%
Net value (moderate)	₹7,941/yr	₹8,330/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	₹500

HSBC Cashback 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