Side-by-side · honest numbers
AU Zenith Credit Card vs IndusInd Legend Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, IndusInd Legend Credit Card, Kotak Urbane Gold 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, Kotak Urbane Gold Credit Card ranks first for estimated net annual value — ahead of IndusInd Legend Credit Card by about ₹60/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | IndusInd Legend Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | Lifetime free | ₹199 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹1,140/yr | ₹1,200/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X points/₹150 | 1 reward point/₹100 | 3 reward points/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Kotak Urbane Gold Credit Card leads with an estimated ₹1,200/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Legend 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.
AU Zenith Credit Card
AU Small Finance Bank
IndusInd Legend Credit Card
IndusInd Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | IndusInd BankGold IndusInd Legend Credit Card •••• •••• •••• 4242 Quick facts IndusInd Legend Credit Card Top reward1 reward point/₹100 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Legend Credit Card IndusInd Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3 reward points/₹100 Annual fee₹199 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | Lifetime free | ₹199 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹1,140/yr | ₹1,200/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X points/₹150 | 1 reward point/₹100 | 3 reward points/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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