Side-by-side · honest numbers
HSBC TravelOne Credit Card vs IndusInd Bank Crest Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of HSBC TravelOne Credit Card, IndusInd Bank Crest 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, Kotak Urbane Gold Credit Card ranks first for estimated net annual value — ahead of IndusInd Bank Crest Credit Card by about ₹60/yr.
| Feature | HSBC TravelOne Credit Card HSBC | IndusInd Bank Crest Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,999 | ₹5,000 | ₹1,999 |
| Fee waiver threshold | ₹12,00,000/yr | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹80/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3X points | 2X reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | Domestic lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent | 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 ₹1,999.
- Which card earns more on moderate spend?
- Kotak Urbane Gold Credit Card leads with an estimated ₹140/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.
HSBC TravelOne Credit Card
HSBC
IndusInd Bank Crest Credit Card
IndusInd Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd 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 | ₹4,999 | ₹5,000 | ₹1,999 |
| Fee waiver threshold | ₹12,00,000/yr | Waived at ₹4,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,549/yr | ₹80/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3X points | 2X reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Complimentary domestic lounge access · No minimum spend required for lounge access | Domestic lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hsbc-travelone-vs-indusind-crest-vs-kotak-urbaneMore HSBC TravelOne Credit Card comparisons
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