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811 Dream Different Credit Card vs OneCard Metal Credit Card

Honest side-by-side comparison of 811 Dream Different Credit Card, OneCard Metal 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.

811 Dream Different Credit Card

Kotak Mahindra Bank

OneCard Metal Credit Card

OneCard (BOB/FPL)

Your adjusted comparison

Feature
811 Dream Different Credit Card

811 Dream Different Credit Card

Kotak Mahindra Bank

OneCard Metal Credit Card

OneCard Metal Credit Card

OneCard (BOB/FPL)

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min income₹20,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹540/yr₹1,632/yr
Online shopping₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)₹8,000 × 1% = ₹80/mo (₹960/yr)
Dining & delivery—₹3,500 × 1% = ₹35/mo (₹420/yr)
Top reward rate2 RP/₹1001% (5X)
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsEarns: 2 RP/₹100 online; 1 RP/₹100 other (incl. UPI) at catalogue ~₹0.25/pt · cap No separate cashback cap — points earnEarns: 0.2% base; 1% (5X) on top 2 categories after ₹750×3 unlock — UPI modeled at 0.2% · cap Points redeemable as statement credit per OneCard T&Cs
Key exclusionsEMI · Fuel · RentEMI · Rent
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

811 Dream Different Credit Card details →OneCard Metal Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneCard Metal Credit Card leads 811 Dream Different Credit Card by about ₹1,092/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

811 Dream Different Credit Card vs OneCard Metal Credit Card comparison table
Feature811 Dream Different Credit Card

Kotak Mahindra Bank

OneCard Metal Credit Card

OneCard (BOB/FPL)

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min income₹20,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹540/yr₹1,632/yr
Online shopping₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)₹8,000 × 1% = ₹80/mo (₹960/yr)
Dining & delivery—₹3,500 × 1% = ₹35/mo (₹420/yr)
Top reward rate2 RP/₹1001% (5X)
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNoneNone
UPI rewardsEarns: 2 RP/₹100 online; 1 RP/₹100 other (incl. UPI) at catalogue ~₹0.25/pt · cap No separate cashback cap — points earnEarns: 0.2% base; 1% (5X) on top 2 categories after ₹750×3 unlock — UPI modeled at 0.2% · cap Points redeemable as statement credit per OneCard T&Cs
Key exclusionsEMI · Fuel · RentEMI · 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?
OneCard Metal Credit Card leads with an estimated ₹1,632/yr net annual value on moderate spend.
Which card has the lower income requirement?
OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
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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