Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs Swiggy HDFC Bank Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, Swiggy HDFC Bank 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹6,720/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | Swiggy HDFC Bank Credit Card HDFC Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹1,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹12,150/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Top reward rate | 5% cashback | 10% | 3X reward points |
| Primary reward cap | ₹250 rewards/mo cap | ₹1,500 rewards/mo cap | No monthly cap published |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback 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.
HDFC Bharat Cashback Credit Card
HDFC Bank
Swiggy HDFC Bank Credit Card
HDFC Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC 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 | ₹500 | ₹1,999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹12,150/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Dining & delivery | — | 10% cashback → ₹400/mo (₹4,800/yr) | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Top reward rate | 5% cashback | 10% | 3X reward points |
| Primary reward cap | ₹250 rewards/mo cap | ₹1,500 rewards/mo cap | No monthly cap published |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-bharat-vs-hdfc-swiggy-vs-kotak-urbaneMore HDFC Bharat Cashback Credit Card comparisons
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