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.

Side-by-side · honest numbers

Kotak Urbane Gold Credit Card vs OneCard Metal Credit Card

Honest side-by-side comparison of Kotak Urbane Gold 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 leads Kotak Urbane Gold Credit Card by about ₹3,820/yr in estimated net value.

Kotak Urbane Gold Credit Card vs OneCard Metal Credit Card comparison table
Feature	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	OneCard Metal Credit Card OneCard (BOB/FPL)
Fees & eligibility
Annual fee	₹1,999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹3,960/yr
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Top reward rate	3X reward points	1% cashback
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	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 · 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.

Card 1

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Card 2

OneCard Metal Credit Card

OneCard (BOB/FPL)

Your adjusted comparison

Feature	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	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	₹1,999	Lifetime free
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Lifetime free
Min income	₹30,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹3,960/yr
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Top reward rate	3X reward points	1% cashback
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	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 · Rent
Bonuses
Signup bonus	—	—

Kotak Urbane Gold Credit Card details →OneCard Metal Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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