Which card has the lower annual fee?

Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.

Which card has the lower income requirement?

Kotak League Platinum 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.

Side-by-side · honest numbers

HSBC Cashback Credit Card vs Kotak League Platinum

Honest side-by-side comparison of HSBC Cashback Credit Card, Kotak League Platinum — 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, HSBC Cashback Credit Card leads Kotak League Platinum by about ₹7,351/yr in estimated net value.

HSBC Cashback Credit Card vs Kotak League Platinum comparison table
Feature	HSBC Cashback Credit Card HSBC	Kotak League Platinum Kotak Mahindra Bank
Annual fee	₹999	₹0
Min income (monthly)	₹40,000	₹25,000
Top reward rate	10%	2 RP/₹150
Net annual value (moderate spend)	₹7,941/yr	₹590/yr
Secured / FD-backed	No	No
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: HSBC Cashback Credit Card leads with an estimated ₹7,941/yr net annual value on moderate spend.
Which card has the lower income requirement?: Kotak League Platinum 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.

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Your adjusted comparison

Feature	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank
Annual fee	₹999	₹0
Min income	₹40,000	₹25,000
Top reward rate	10%	2 RP/₹150
Net value (moderate)	₹7,941/yr	₹590/yr
Secured / no bureau	Standard	Standard
Signup bonus	—	—

HSBC Cashback Credit Card details →Kotak League Platinum details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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