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811 Dream Different Credit Card vs YES ACE Credit Card

Honest side-by-side comparison of 811 Dream Different Credit Card, YES ACE 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

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

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
811 Dream Different Credit Card

811 Dream Different Credit Card

Kotak Mahindra Bank

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,300/yr₹3,401/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo—
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate5%4% cashback
Primary reward cap₹500 rewards/mo cap₹1,000 eligible spend/mo
UPI rewardsEarns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback capNot supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹7,196/yr combined NAV (₹896 vs best solo). Both annual fees apply.

811 Dream Different Credit Card details →YES ACE Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, 811 Dream Different Credit Card leads YES ACE Credit Card by about ₹2,899/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 YES ACE Credit Card comparison table
Feature811 Dream Different Credit Card

Kotak Mahindra Bank

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹6,300/yr₹3,401/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹500/mo—
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Top reward rate5%4% cashback
Primary reward cap₹500 rewards/mo cap₹1,000 eligible spend/mo
UPI rewardsEarns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback capNot supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Rent
Bonuses
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 ₹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.

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