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ICICI Coral Credit Card vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of ICICI Coral 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.

ICICI Coral Credit Card

ICICI Bank

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature
ICICI Coral Credit Card

ICICI Coral Credit Card

ICICI Bank

Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹500₹199
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹50/yr₹1,020/yr
Top reward rate2 RP/₹1003 reward points/₹100
Primary reward cap₹100/ticketNo monthly cap published
Perks & restrictions
Lounge access4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gateNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

ICICI Coral Credit Card details →Kotak Urbane Gold Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak Urbane Gold Credit Card leads ICICI Coral Credit Card by about ₹1,070/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

ICICI Coral Credit Card vs Kotak Urbane Gold Credit Card comparison table
FeatureICICI Coral Credit Card

ICICI Bank

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Fees & eligibility
Annual fee₹500₹199
Fee waiver thresholdNo waiver publishedWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹50/yr₹1,020/yr
Top reward rate2 RP/₹1003 reward points/₹100
Primary reward cap₹100/ticketNo monthly cap published
Perks & restrictions
Lounge access4 railway lounges/year + 1 domestic airport lounge/quarter · Airport lounge requires ₹75,000 spend in the previous calendar quarter; railway lounge (4/year) has no spend gateNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentEMI · 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?
Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?
ICICI Coral 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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