Side-by-side · honest numbers
IndusInd Bank Crest Credit Card vs Kotak League Platinum vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IndusInd Bank Crest Credit Card, Kotak League Platinum, Standard Chartered Ultimate 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, Standard Chartered Ultimate Credit Card ranks first for estimated net annual value — ahead of Kotak League Platinum by about ₹3,170/yr.
| Feature | IndusInd Bank Crest Credit Card IndusInd Bank | Kotak League Platinum Kotak Mahindra Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹5,000 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹590/yr | ₹3,760/yr |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 2X reward points | 2 RP/₹150 | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| 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?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹3,760/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.
IndusInd Bank Crest Credit Card
IndusInd Bank
Kotak League Platinum
Kotak Mahindra Bank
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | 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 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 | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | Lifetime free | ₹5,000 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹590/yr | ₹3,760/yr |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 2X reward points | 2 RP/₹150 | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/indusind-crest-vs-kotak-league-platinum-vs-sc-ultimateMore IndusInd Bank Crest Credit Card comparisons
- IndusInd Bank Crest Credit Card vs 811 Dream Different Credit Card
- IndusInd Bank Crest Credit Card vs AU Altura Credit Card
- IndusInd Bank Crest Credit Card vs AU Zenith Credit Card
- IndusInd Bank Crest Credit Card vs American Express Gold Card
- IndusInd Bank Crest Credit Card vs American Express Platinum Travel Card
- IndusInd Bank Crest Credit Card vs American Express SmartEarn Credit Card
- IndusInd Bank Crest Credit Card vs Amex Membership Rewards CC
- IndusInd Bank Crest Credit Card vs Axis Bank ACE Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Airtel Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Atlas Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Flipkart Credit Card
- IndusInd Bank Crest Credit Card vs Axis Bank Magnus Credit Card