Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs Kotak Royale Signature Credit Card vs SBI Card MILES
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, Kotak Royale Signature Credit Card, SBI Card MILES — 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of SBI Card MILES by about ₹2,140/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹1,499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹140/yr | ₹3,290/yr |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 5% cashback | 2X reward points | 6X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | None |
| 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 · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/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
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
SBI Card MILES
SBI Card
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 | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹999 | ₹1,499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹140/yr | ₹3,290/yr |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 5% cashback | 2X reward points | 6X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | None |
| 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 · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-bharat-vs-kotak-royale-vs-sbi-card-milesMore HDFC Bharat Cashback Credit Card comparisons
- HDFC Bharat Cashback Credit Card vs 811 Dream Different Credit Card
- HDFC Bharat Cashback Credit Card vs AU Altura Credit Card
- HDFC Bharat Cashback Credit Card vs AU Zenith Credit Card
- HDFC Bharat Cashback Credit Card vs American Express Gold Card
- HDFC Bharat Cashback Credit Card vs American Express Platinum Travel Card
- HDFC Bharat Cashback Credit Card vs American Express SmartEarn Credit Card
- HDFC Bharat Cashback Credit Card vs Amex Membership Rewards CC
- HDFC Bharat Cashback Credit Card vs Axis Bank ACE Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Airtel Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Atlas Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Magnus Credit Card