Side-by-side · honest numbers
Axis Bank Neo Credit Card vs IndusInd Bank Pinnacle Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of Axis Bank Neo Credit Card, IndusInd Bank Pinnacle 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, Axis Bank Neo Credit Card ranks first for estimated net annual value — ahead of Kotak Urbane Gold Credit Card by about ₹1,660/yr.
| Feature | Axis Bank Neo Credit Card Axis Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹1,999 |
| Fee waiver threshold | Lifetime free | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹7,075/yr | ₹140/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 10% off | 3X points/₹150 | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | None |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | 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?
- Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Neo Credit Card leads with an estimated ₹1,800/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
- 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.
Axis Bank Neo Credit Card
Axis Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹1,999 |
| Fee waiver threshold | Lifetime free | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹7,075/yr | ₹140/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 10% off | 3X points/₹150 | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | None |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | 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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