Side-by-side · honest numbers
Swiggy HDFC Bank Credit Card vs Kotak Urbane Gold Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, Kotak Urbane Gold Credit Card, Kotak White 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Kotak Urbane Gold Credit Card by about ₹12,010/yr.
| Feature | Swiggy HDFC Bank Credit Card HDFC Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,999 | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,150/yr | ₹140/yr | ₹80/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10% | 3X reward points | 2X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Swiggy HDFC Bank Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Swiggy 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.
Customize your spend
Change spend profile or swap cards — results update live below.
Swiggy HDFC Bank Credit Card
HDFC Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Kotak White Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank 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 | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,999 | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | Waived at ₹4,00,000/yr spend |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,150/yr | ₹140/yr | ₹80/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 10% | 3X reward points | 2X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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