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HDFC Bharat Cashback Credit Card vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, 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

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC Bharat Cashback Credit Card

HDFC Bank

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature
HDFC Bharat Cashback Credit Card

HDFC Bharat Cashback Credit Card

HDFC Bank

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹500₹199
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹15,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,670/yr₹1,020/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Top reward rate5% cashback3 reward points/₹100
Primary reward cap₹250 rewards/mo capNo monthly cap published
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceEMI · Fuel · Rent
Bonuses
Signup bonus——

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

HDFC Bharat Cashback Credit Card details →Kotak Urbane Gold Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, HDFC Bharat Cashback Credit Card leads Kotak Urbane Gold Credit Card by about ₹2,650/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

HDFC Bharat Cashback Credit Card vs Kotak Urbane Gold Credit Card comparison table
FeatureHDFC Bharat Cashback Credit Card

HDFC Bank

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹500₹199
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹15,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,670/yr₹1,020/yr
Fuel₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹250/mo—
Top reward rate5% cashback3 reward points/₹100
Primary reward cap₹250 rewards/mo capNo monthly cap published
UPI rewardsEarns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback capNot supported (Visa/MC)
Key exclusionsEMI · Rent · Wallet loads · InsuranceEMI · 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?
HDFC Bharat Cashback Credit Card leads with an estimated ₹3,670/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.

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