Which card has the lower annual fee?

HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.

Which card earns more on moderate spend?

HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.

Which card has the lower income requirement?

Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

HDFC Millennia Credit Card vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of HDFC Millennia 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, HDFC Millennia Credit Card leads Kotak Urbane Gold Credit Card by about ₹8,690/yr in estimated net value.

HDFC Millennia Credit Card vs Kotak Urbane Gold Credit Card comparison table
Feature	HDFC Millennia Credit Card HDFC Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹1,000	₹1,999
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹35,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹8,830/yr	₹140/yr
Online shopping	5% cashback → ₹500/mo (₹6,000/yr)	—
Dining & delivery	—	3 pts per ₹150 spend → ₹20/mo (₹240/yr)
Top reward rate	5%	3X reward points
Primary reward cap	₹1,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,000	—

Frequently asked questions

Which card has the lower annual fee?: HDFC Millennia Credit Card has the lowest annual fee at ₹1,000.
Which card earns more on moderate spend?: HDFC Millennia Credit Card leads with an estimated ₹8,830/yr net annual value on moderate spend.
Which card has the lower income requirement?: Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.
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.

Card 1

HDFC Millennia Credit Card

HDFC Bank

Card 2

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia 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	₹1,000	₹1,999
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹35,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹8,830/yr	₹140/yr
Online shopping	5% cashback → ₹500/mo (₹6,000/yr)	—
Dining & delivery	—	3 pts per ₹150 spend → ₹20/mo (₹240/yr)
Top reward rate	5%	3X reward points
Primary reward cap	₹1,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,000	—

HDFC Millennia Credit Card details →Kotak Urbane Gold Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Millennia Credit Card comparisons