Side-by-side · honest numbers
Swiggy ORNGE HDFC Bank Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of Swiggy ORNGE 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.
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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.
Swiggy ORNGE HDFC Bank Credit Card
HDFC Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | Kotak Mahindra Bank Urbane Gold 6521 4249 8156 7519 Valid thru 12/28 Acc CREDIT Card holder KOTAK URBANE GOLD CRED Customer service Kotak Mahindra Bank · 1800-XXX-XXXX Authorized signature CVV••• Kotak Urbane Gold Credit Card Top reward: 3 reward points/₹100 Annual fee: ₹199 Min income: ₹30,000/mo Property of Kotak Mahindra Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹199 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | ₹1,020/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo | — |
| Dining & delivery | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 5% | 3 reward points/₹100 |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/in/en/compare/hdfc-swiggy-ornge-vs-kotak-urbaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy ORNGE HDFC Bank Credit Card leads Kotak Urbane Gold Credit Card by about ₹6,960/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
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹199 |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | ₹1,020/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo | — |
| Dining & delivery | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 5% | 3 reward points/₹100 |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · 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?
- Swiggy ORNGE HDFC Bank Credit Card leads with an estimated ₹7,980/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Swiggy ORNGE HDFC Bank 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.
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