Which card has the lower annual fee?

Kotak Urbane Gold Credit Card has the lowest annual fee at ₹199.

Which card earns more on moderate spend?

Axis Bank Flipkart Credit Card leads with an estimated ₹9,660/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank Flipkart Credit Card lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Axis Bank Flipkart Credit Card vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of Axis Bank Flipkart Credit Card, Kotak Urbane Gold 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.

Card 1

Axis Bank Flipkart Credit Card

Axis Bank

Card 2

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	Axis Bank Flipkart Credit Card Axis Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹199
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹9,660/yr	₹1,020/yr
Online shopping	₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo	—
Top reward rate	5%	3 reward points/₹100
Primary reward cap	₹1,333 rewards/mo cap	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent
Bonuses
Signup bonus	₹500	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Axis Bank Flipkart Credit Card details →Kotak Urbane Gold Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/axis-flipkart-vs-kotak-urbane

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card leads Kotak Urbane Gold Credit Card by about ₹8,640/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

Axis Bank Flipkart Credit Card vs Kotak Urbane Gold Credit Card comparison table
Feature	Axis Bank Flipkart Credit Card Axis Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹199
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹9,660/yr	₹1,020/yr
Online shopping	₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo	—
Top reward rate	5%	3 reward points/₹100
Primary reward cap	₹1,333 rewards/mo cap	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Insurance	EMI · Fuel · Rent
Bonuses
Signup bonus	₹500	—

Frequently asked questions

Which card has the lower annual fee?: Kotak Urbane Gold Credit Card has the lowest annual fee at ₹199.
Which card earns more on moderate spend?: Axis Bank Flipkart Credit Card leads with an estimated ₹9,660/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank Flipkart Credit Card lists a minimum monthly income of ₹25,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Axis Bank Flipkart Credit Card comparisons