Side-by-side · honest numbers
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
Customize your spend
Change spend profile or swap cards — results update live below.
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 Kotak Mahindra Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | ₹3,120/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Top reward rate | 5% | 1% cashback |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Cap-aware split: ~₹6,810/yr combined NAV (₹510 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/kotak-811-dream-vs-onecardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, 811 Dream Different Credit Card leads OneCard Metal Credit Card by about ₹3,180/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
| Feature | 811 Dream Different Credit Card Kotak Mahindra Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | ₹3,120/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Top reward rate | 5% | 1% cashback |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · 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?
- 811 Dream Different Credit Card leads with an estimated ₹6,300/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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