Side-by-side · honest numbers
IndusInd Bank Pinnacle Credit Card vs Kotak White Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of IndusInd Bank Pinnacle Credit Card, Kotak White Credit Card, OneCard Metal 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of Kotak White Credit Card by about ₹3,880/yr.
| Feature | IndusInd Bank Pinnacle Credit Card IndusInd Bank | Kotak White Credit Card Kotak Mahindra Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹7,075/yr | ₹80/yr | ₹3,960/yr |
| Travel | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3X points/₹150 | 2X reward points | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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 Pinnacle Credit Card
IndusInd Bank
Kotak White Credit Card
Kotak Mahindra Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
Your adjusted comparison
| Feature | 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 BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹10,000 | ₹3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | Lifetime free |
| Min income | ₹75,000/mo | ₹50,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹7,075/yr | ₹80/yr | ₹3,960/yr |
| Travel | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | — |
| Top reward rate | 3X points/₹150 | 2X reward points | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | Domestic lounge access — verify visit count on issuer site | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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