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?

Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.

Which card has the lower income requirement?

Bajaj Finserv RBL Bank SuperCard 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

Bajaj Finserv RBL Bank SuperCard vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, 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

Bajaj Finserv RBL Bank SuperCard

RBL Bank

Card 2

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹999	₹199
Fee waiver threshold	No waiver published	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)	-₹899/yr	₹1,020/yr
Online shopping	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)	—
Top reward rate	2X points/₹150	3 reward points/₹100
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI interest · Cash advance	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

Bajaj Finserv RBL Bank SuperCard details →Kotak Urbane Gold Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/bajaj-rbl-supercard-vs-kotak-urbane

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak Urbane Gold Credit Card leads Bajaj Finserv RBL Bank SuperCard by about ₹1,919/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

Bajaj Finserv RBL Bank SuperCard vs Kotak Urbane Gold Credit Card comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹999	₹199
Fee waiver threshold	No waiver published	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)	-₹899/yr	₹1,020/yr
Online shopping	₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)	—
Top reward rate	2X points/₹150	3 reward points/₹100
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI interest · Cash advance	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

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?: Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?: Bajaj Finserv RBL Bank SuperCard 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 Bajaj Finserv RBL Bank SuperCard comparisons