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811 Dream Different Credit Card vs IndianOil RBL Bank XTRA Credit Card

Honest side-by-side comparison of 811 Dream Different Credit Card, IndianOil RBL Bank XTRA 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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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

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Your adjusted comparison

Feature
811 Dream Different Credit Card

811 Dream Different Credit Card

Kotak Mahindra Bank

IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual feeLifetime free₹1,500
Fee waiver thresholdLifetime freeWaived at ₹2,75,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹540/yr₹2,742/yr
Online shopping₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)—
Fuel—₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Top reward rate2 RP/₹10015 fuel points / ₹100
Primary reward capNo monthly cap published₹1,000 rewards/mo cap
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 earnNot supported (Visa/MC)
Key exclusionsEMI · Fuel · RentUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus₹500₹1,500

Stack mode (hold both)

Cap-aware split: ~₹4,575/yr combined NAV (₹1,833 vs best solo). Both annual fees apply.

811 Dream Different Credit Card details →IndianOil RBL Bank XTRA Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IndianOil RBL Bank XTRA Credit Card leads 811 Dream Different Credit Card by about ₹2,202/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 IndianOil RBL Bank XTRA Credit Card comparison table
Feature811 Dream Different Credit Card

Kotak Mahindra Bank

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual feeLifetime free₹1,500
Fee waiver thresholdLifetime freeWaived at ₹2,75,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹540/yr₹2,742/yr
Online shopping₹8,000 → 160 pts/mo × ₹0.25/pt = ₹40/mo (₹480/yr)—
Fuel—₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Top reward rate2 RP/₹10015 fuel points / ₹100
Primary reward capNo monthly cap published₹1,000 rewards/mo cap
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 earnNot supported (Visa/MC)
Key exclusionsEMI · Fuel · RentUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus₹500₹1,500

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?
IndianOil RBL Bank XTRA Credit Card leads with an estimated ₹2,742/yr net annual value on moderate spend.
Which card has the lower income requirement?
811 Dream Different Credit Card lists a minimum monthly income of ₹20,000.
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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