Which card has the lower annual fee?

Kotak League Platinum has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

PhonePe SBI Card PURPLE leads with an estimated ₹3,441/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.

Side-by-side · honest numbers

Kotak League Platinum vs PhonePe SBI Card PURPLE

Honest side-by-side comparison of Kotak League Platinum, PhonePe SBI Card PURPLE — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

Kotak League Platinum

Kotak Mahindra Bank

Card 2

PhonePe SBI Card PURPLE

SBI Card

Your adjusted comparison

Feature	Kotak Mahindra Bank League Platinum 6521 -914 3740 2968 Valid thru 12/28 Acc CREDIT Card holder KOTAK LEAGUE PLATINUM Customer service Kotak Mahindra Bank · 1800-XXX-XXXX Authorized signature CVV••• Kotak League Platinum Top reward: 2 RP/₹150 Annual fee: ₹499 Min income: ₹25,000/mo Property of Kotak Mahindra Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Kotak League Platinum Kotak Mahindra Bank	SBI Card PhonePe PURPLE 6521 1041 3255 9156 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD PURPL Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card PURPLE Top reward: 3% Annual fee: ₹499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card PURPLE SBI Card
Fees & eligibility
Annual fee	₹499	₹499
Fee waiver threshold	No waiver published	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/yr	₹3,441/yr
Online shopping	—	₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo
Utilities & bills	—	₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo
Top reward rate	2 RP/₹150	3%
Primary reward cap	No monthly cap published	₹750 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	—	₹500

Stack mode (hold both)

Cap-aware split: ~₹3,671/yr combined NAV (₹230 vs best solo). Both annual fees apply.

Kotak League Platinum details →PhonePe SBI Card PURPLE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads Kotak League Platinum by about ₹2,530/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

Kotak League Platinum vs PhonePe SBI Card PURPLE comparison table
Feature	Kotak League Platinum Kotak Mahindra Bank	PhonePe SBI Card PURPLE SBI Card
Fees & eligibility
Annual fee	₹499	₹499
Fee waiver threshold	No waiver published	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/yr	₹3,441/yr
Online shopping	—	₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo
Utilities & bills	—	₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo
Top reward rate	2 RP/₹150	3%
Primary reward cap	No monthly cap published	₹750 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	—	₹500

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: PhonePe SBI Card PURPLE leads with an estimated ₹3,441/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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