Side-by-side · honest numbers
Bajaj Finserv RBL Bank SuperCard vs Kotak Urbane Gold Credit Card vs SBI SimplySAVE
Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, Kotak Urbane Gold Credit Card, SBI SimplySAVE — 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, SBI SimplySAVE ranks first for estimated net annual value — ahead of Kotak Urbane Gold Credit Card by about ₹5,341/yr.
| Feature | Bajaj Finserv RBL Bank SuperCard RBL Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹1,999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹739/yr | ₹140/yr | ₹5,481/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Top reward rate | 2X points/₹150 | 3X reward points | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI interest · Cash advance | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplySAVE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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.
Bajaj Finserv RBL Bank SuperCard
RBL Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL 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 | 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | ₹1,999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹739/yr | ₹140/yr | ₹5,481/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Top reward rate | 2X points/₹150 | 3X reward points | 10 RP/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI interest · Cash advance | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/bajaj-rbl-supercard-vs-kotak-urbane-vs-sbi-simplysaveMore Bajaj Finserv RBL Bank SuperCard comparisons
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