Side-by-side · honest numbers
811 Dream Different Credit Card vs SBI Card ELITE
Honest side-by-side comparison of 811 Dream Different Credit Card, SBI Card ELITE — 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
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | 811 Dream Different Credit Card Kotak Mahindra Bank | SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹4,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr |
| Min income | ₹20,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 5% | 5X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | ||
| Signup bonus | ₹500 | ₹5,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/kotak-811-dream-vs-sbi-eliteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, 811 Dream Different Credit Card leads SBI Card ELITE by about ₹10,118/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 | SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹4,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr |
| Min income | ₹20,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,300/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 5% | 5X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | ||
| Signup bonus | ₹500 | ₹5,000 |
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 ₹6,300/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.
More 811 Dream Different Credit Card comparisons
- 811 Dream Different Credit Card vs AU Altura Credit Card
- 811 Dream Different Credit Card vs AU Altura+ Credit Card
- 811 Dream Different Credit Card vs AU LIT Credit Card
- 811 Dream Different Credit Card vs AU Zenith Credit Card
- 811 Dream Different Credit Card vs American Express Gold Card
- 811 Dream Different Credit Card vs American Express Platinum Travel Card
- 811 Dream Different Credit Card vs American Express SmartEarn Credit Card
- 811 Dream Different Credit Card vs Amex Membership Rewards CC
- 811 Dream Different Credit Card vs Axis Bank ACE Credit Card
- 811 Dream Different Credit Card vs Axis Bank Airtel Credit Card
- 811 Dream Different Credit Card vs Axis Bank Atlas Credit Card
- 811 Dream Different Credit Card vs Axis Bank Flipkart Credit Card