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Pick up to 3 cards. See fees, rewards, and estimated net annual value on the same spend profile — no bureau pull.
| 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 CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|
| Annual fee | ₹0 | ₹499 |
| Min income | ₹20,000 | ₹18,000 |
| Top reward rate | 5% | 10 RP/₹100 |
| Net value (moderate) | ₹8,330/yr | ₹5,481/yr |
| Secured / no bureau | Standard | Standard |
| Signup bonus | ₹500 | ₹2,000 |