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?

SBI BPCL Octane leads with an estimated ₹9,570/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.

Side-by-side · honest numbers

811 Dream Different Credit Card vs SBI BPCL Octane vs SBI SimplyCLICK

Honest side-by-side comparison of 811 Dream Different Credit Card, SBI BPCL Octane, SBI SimplyCLICK — 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, SBI BPCL Octane ranks first for estimated net annual value — ahead of 811 Dream Different Credit Card by about ₹1,240/yr.

811 Dream Different Credit Card vs SBI BPCL Octane vs SBI SimplyCLICK comparison table
Feature	811 Dream Different Credit Card Kotak Mahindra Bank	SBI BPCL Octane SBI Card	SBI SimplyCLICK SBI Card
Annual fee	₹0	₹1,499	₹499
Min income (monthly)	₹20,000	₹30,000	₹20,000
Top reward rate	5%	25X points	10X points
Net annual value (moderate spend)	₹8,330/yr	₹9,570/yr	₹1,781/yr
Secured / FD-backed	No	No	No
Signup bonus	₹500	₹6,000	₹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?: SBI BPCL Octane leads with an estimated ₹9,570/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.

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	SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card	SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Annual fee	₹0	₹1,499	₹499
Min income	₹20,000	₹30,000	₹20,000
Top reward rate	5%	25X points	10X points
Net value (moderate)	₹8,330/yr	₹9,570/yr	₹1,781/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹500	₹6,000	₹500

811 Dream Different Credit Card details →SBI BPCL Octane details →SBI SimplyCLICK details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More 811 Dream Different Credit Card comparisons