Side-by-side · honest numbers
IndusInd Legend Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of IndusInd Legend 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.
IndusInd Legend Credit Card
IndusInd Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | IndusInd Legend Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹199 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹936/yr | ₹1,020/yr |
| Top reward rate | 1 reward point/₹100 | 3 reward points/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹1,122/yr combined NAV (₹102 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/indusind-legend-vs-kotak-urbaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Kotak Urbane Gold Credit Card leads IndusInd Legend Credit Card by about ₹84/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 | IndusInd Legend Credit Card IndusInd Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹199 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹936/yr | ₹1,020/yr |
| Top reward rate | 1 reward point/₹100 | 3 reward points/₹100 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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?
- IndusInd Legend Credit Card lists a minimum monthly income of ₹20,000.
- 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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