Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs Kotak Royale Signature Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, Kotak Royale Signature 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, Kotak Royale Signature Credit Card ranks first for estimated net annual value — ahead of Kotak Urbane Gold Credit Card by about ₹0/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹999 | ₹1,999 |
| Fee waiver threshold | ₹10,00,000/yr | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹140/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | — |
| Top reward rate | 5 RP/₹150 | 2X reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Royale Signature Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- Kotak Royale Signature Credit Card leads with an estimated ₹140/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Royale Signature Credit Card 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
Change spend profile or swap cards — results update live below.
HDFC Bank Infinia Credit Card
HDFC Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia 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 | 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 | ₹12,500 | ₹999 | ₹1,999 |
| Fee waiver threshold | ₹10,00,000/yr | Waived at ₹1,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹140/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | — |
| Top reward rate | 5 RP/₹150 | 2X reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Limited domestic lounge visits — verify on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-infinia-vs-kotak-royale-vs-kotak-urbaneMore HDFC Bank Infinia Credit Card comparisons
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