Side-by-side · honest numbers
811 Dream Different Credit Card vs Kotak Urbane Gold Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of 811 Dream Different Credit Card, Kotak Urbane Gold Credit Card, SBI SimplySAVE — 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 SimplySAVE by about ₹2,849/yr.
| Feature | 811 Dream Different Credit Card Kotak Mahindra Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,999 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,330/yr | ₹140/yr | ₹5,481/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Top reward rate | 5% | 3X reward points | 10 RP/₹100 |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | No monthly cap published |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹2,000 |
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?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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.
811 Dream Different Credit Card
Kotak Mahindra Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | 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 | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,999 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹20,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,330/yr | ₹140/yr | ₹5,481/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Top reward rate | 5% | 3X reward points | 10 RP/₹100 |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | No monthly cap published |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/kotak-811-dream-vs-kotak-urbane-vs-sbi-simplysaveMore 811 Dream Different Credit Card comparisons
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