Side-by-side · honest numbers
IndusInd Bank Avios Visa Infinite Credit Card vs IndusInd Bank Pinnacle Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of IndusInd Bank Avios Visa Infinite Credit Card, IndusInd Bank Pinnacle 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 Pinnacle Credit Card by about ₹7,215/yr.
| Feature | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹10,000 | ₹1,999 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | -₹7,075/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5X Avios points | 3X points/₹150 | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited lounge access · No minimum spend required for lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | 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.
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle 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 | ₹10,000 | ₹10,000 | ₹1,999 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹8,536/yr | -₹7,075/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 5X Avios points | 3X points/₹150 | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited lounge access · No minimum spend required for lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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