Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC FIRST Select Credit Card vs 811 Dream Different Credit Card
Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC FIRST Select 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 ICICI Sapphiro Credit Card by about ₹4,774/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST Select Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹0 |
| Min income (monthly) | ₹75,000 | ₹30,000 | ₹20,000 |
| Top reward rate | 4 RP/₹100 | 3X reward points | 5% |
| Net annual value (moderate spend) | ₹3,556/yr | ₹2,070/yr | ₹8,330/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹4,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select 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.
Your adjusted comparison
| Feature | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select 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 | ₹3,500 | ₹0 | ₹0 |
| Min income | ₹75,000 | ₹30,000 | ₹20,000 |
| Top reward rate | 4 RP/₹100 | 3X reward points | 5% |
| Net value (moderate) | ₹3,556/yr | ₹2,070/yr | ₹8,330/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹4,000 | — | ₹500 |
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