Side-by-side · honest numbers
811 Dream Different Credit Card vs SBI Card MILES vs SBI Cashback Credit Card
Honest side-by-side comparison of 811 Dream Different Credit Card, SBI Card MILES, SBI Cashback Credit Card — 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 SBI Cashback Credit Card by about ₹1,580/yr.
| Feature | 811 Dream Different Credit Card Kotak Mahindra Bank | SBI Card MILES SBI Card | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,499 | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹35,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,330/yr | ₹3,290/yr | ₹6,750/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5% | 6X reward points | 5% |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | ₹2,000 rewards/mo cap |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹500 | ₹2,000 | — |
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?
- 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.
811 Dream Different Credit Card
Kotak Mahindra Bank
SBI Card MILES
SBI Card
SBI Cashback Credit Card
SBI Card
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 Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹1,499 | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹3,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹35,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,330/yr | ₹3,290/yr | ₹6,750/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5% | 6X reward points | 5% |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | ₹2,000 rewards/mo cap |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹500 | ₹2,000 | — |
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https://cardhungry.com/in/en/compare/kotak-811-dream-vs-sbi-card-miles-vs-sbi-cashbackMore 811 Dream Different Credit Card comparisons
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