Side-by-side · honest numbers
HSBC Cashback Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of HSBC Cashback Credit Card, Kotak Urbane Gold Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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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.
HSBC Cashback Credit Card
HSBC
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HSBC Cashback Credit Card HSBC | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹199 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹40,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,291/yr | ₹1,020/yr |
| Dining & delivery | ₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo | — |
| Top reward rate | 10% | 3 reward points/₹100 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/in/en/compare/hsbc-cashback-vs-kotak-urbaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Cashback Credit Card leads Kotak Urbane Gold Credit Card by about ₹5,271/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 | HSBC Cashback Credit Card HSBC | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹199 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹40,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,291/yr | ₹1,020/yr |
| Dining & delivery | ₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo | — |
| Top reward rate | 10% | 3 reward points/₹100 |
| Primary reward cap | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | 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?
- HSBC Cashback Credit Card leads with an estimated ₹6,291/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.
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