Which card has the lower annual fee?

IndusInd Bank Tiger 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 Bank Tiger Credit Card lists a minimum monthly income of ₹20,000.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit 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

IndusInd Bank Tiger Credit Card vs 811 Dream Different Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of IndusInd Bank Tiger Credit Card, 811 Dream Different Credit Card, SBI Card against Fixed Deposit — 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 SBI Card against Fixed Deposit by about ₹6,560/yr.

IndusInd Bank Tiger Credit Card vs 811 Dream Different Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	IndusInd Bank Tiger Credit Card IndusInd Bank	811 Dream Different Credit Card Kotak Mahindra Bank	SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free	Lifetime free
Min income	₹20,000/mo	₹20,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹20/yr	₹8,330/yr	₹1,770/yr
Online shopping	—	5% cashback → ₹500/mo (₹6,000/yr)	—
Top reward rate	1 reward point/₹150	5%	80% of FD value
Primary reward cap	No monthly cap published	₹500 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent	Not stated
Bonuses
Signup bonus	—	₹500	—

Frequently asked questions

Which card has the lower annual fee?: IndusInd Bank Tiger 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 Bank Tiger Credit Card lists a minimum monthly income of ₹20,000.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit 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.

Card 1

IndusInd Bank Tiger Credit Card

IndusInd Bank

Card 2

811 Dream Different Credit Card

Kotak Mahindra Bank

Card 3

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature	IndusInd BankGold IndusInd Bank Tiger Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Tiger Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Tiger 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	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free	Lifetime free
Min income	₹20,000/mo	₹20,000/mo	Not stated
Secured / FD-backed	Standard	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹20/yr	₹8,330/yr	₹1,770/yr
Online shopping	—	5% cashback → ₹500/mo (₹6,000/yr)	—
Top reward rate	1 reward point/₹150	5%	80% of FD value
Primary reward cap	No monthly cap published	₹500 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	2 complimentary domestic lounge visits per quarter · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent	Not stated
Bonuses
Signup bonus	—	₹500	—

IndusInd Bank Tiger Credit Card details →811 Dream Different Credit Card details →SBI Card against Fixed Deposit details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IndusInd Bank Tiger Credit Card comparisons