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?

RBL Bank ShopRite 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.

Side-by-side · honest numbers

811 Dream Different Credit Card vs RBL Bank Icon Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of 811 Dream Different Credit Card, RBL Bank Icon Credit Card, RBL Bank ShopRite — 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 RBL Bank ShopRite by about ₹7,870/yr.

811 Dream Different Credit Card vs RBL Bank Icon Credit Card vs RBL Bank ShopRite comparison table
Feature	811 Dream Different Credit Card Kotak Mahindra Bank	RBL Bank Icon Credit Card RBL Bank	RBL Bank ShopRite RBL Bank
Annual fee	₹0	₹5,000	₹0
Min income (monthly)	₹20,000	₹50,000	₹15,000
Top reward rate	5%	2X points/₹150	5% on first ₹1,000/mo
Net annual value (moderate spend)	₹8,330/yr	-₹4,803/yr	₹460/yr
Secured / FD-backed	No	No	No
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 ₹8,330/yr net annual value on moderate spend.
Which card has the lower income requirement?: RBL Bank ShopRite 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.

Customize your spend

Change spend profile or swap cards — results update live below.

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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	RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank	RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank
Annual fee	₹0	₹5,000	₹0
Min income	₹20,000	₹50,000	₹15,000
Top reward rate	5%	2X points/₹150	5% on first ₹1,000/mo
Net value (moderate)	₹8,330/yr	-₹4,803/yr	₹460/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	—	—

811 Dream Different Credit Card details →RBL Bank Icon Credit Card details →RBL Bank ShopRite details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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