Side-by-side · honest numbers
ICICI Coral Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of ICICI Coral Credit Card, 811 Dream Different Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
ICICI Coral Credit Card
ICICI Bank
811 Dream Different Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | ICICI Coral Credit Card ICICI Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹915/yr | ₹540/yr |
| Online shopping | — | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) |
| Utilities & bills | ₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr) | — |
| Top reward rate | 2 RP/₹100 | 2 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate | None |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC | Earns: 2 RP/₹100 online; 1 RP/₹100 other (incl. UPI) at catalogue ~₹0.25/pt · cap No separate cashback cap — points earn |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | ₹500 |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/icici-coral-vs-kotak-811-dreamReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Coral Credit Card leads 811 Dream Different Credit Card by about ₹375/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | ICICI Coral Credit Card ICICI Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹915/yr | ₹540/yr |
| Online shopping | — | ₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr) |
| Utilities & bills | ₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr) | — |
| Top reward rate | 2 RP/₹100 | 2 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate | None |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC | Earns: 2 RP/₹100 online; 1 RP/₹100 other (incl. UPI) at catalogue ~₹0.25/pt · cap No separate cashback cap — points earn |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| 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?
- ICICI Coral Credit Card leads with an estimated ₹915/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.
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