Which card has the lower annual fee?

IndusInd Legend 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?

IndusInd Legend 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

IndusInd Legend Credit Card vs 811 Dream Different Credit Card vs YES ACE Credit Card

Honest side-by-side comparison of IndusInd Legend Credit Card, 811 Dream Different Credit Card, YES ACE 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 YES ACE Credit Card by about ₹3,879/yr.

IndusInd Legend Credit Card vs 811 Dream Different Credit Card vs YES ACE Credit Card comparison table
Feature	IndusInd Legend Credit Card IndusInd Bank	811 Dream Different Credit Card Kotak Mahindra Bank	YES ACE Credit Card YES Bank
Annual fee	₹0	₹0	₹499
Min income (monthly)	₹20,000	₹20,000	₹25,000
Top reward rate	1 reward point/₹100	5%	4% cashback
Net annual value (moderate spend)	₹834/yr	₹8,330/yr	₹4,451/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹500	—

Frequently asked questions

Which card has the lower annual fee?: IndusInd Legend 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?: IndusInd Legend 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	IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd 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	YES BankGold YES ACE Credit Card •••• •••• •••• 4242 Quick facts YES ACE Credit Card Top reward4% cashback Annual fee₹499 Min income₹25,000/mo Tap to flip back YES ACE Credit Card YES Bank
Annual fee	₹0	₹0	₹499
Min income	₹20,000	₹20,000	₹25,000
Top reward rate	1 reward point/₹100	5%	4% cashback
Net value (moderate)	₹834/yr	₹8,330/yr	₹4,451/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹500	—

IndusInd Legend Credit Card details →811 Dream Different Credit Card details →YES ACE Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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