Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs PhonePe SBI Card PURPLE
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, 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.
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
PhonePe SBI Card PURPLE
SBI Card
Your adjusted comparison
| Feature | Kotak Mahindra Bank Urbane Gold 6521 4249 8156 7519 Valid thru 12/28 Acc CREDIT Card holder KOTAK URBANE GOLD CRED Customer service Kotak Mahindra Bank · 1800-XXX-XXXX Authorized signature CVV••• Kotak Urbane Gold Credit Card Top reward: 3 reward points/₹100 Annual fee: ₹199 Min income: ₹30,000/mo Property of Kotak Mahindra Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Kotak Urbane Gold Credit Card 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 | ₹199 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/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 | 3 reward points/₹100 | 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: ~₹4,260/yr combined NAV (₹819 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/kotak-urbane-vs-phonepe-sbi-purpleReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads Kotak Urbane Gold Credit Card by about ₹2,421/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 | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | PhonePe SBI Card PURPLE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/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 | 3 reward points/₹100 | 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 Urbane Gold Credit Card has the lowest annual fee at ₹199.
- 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?
- PhonePe SBI Card PURPLE 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.
More Kotak Urbane Gold Credit Card comparisons
- Kotak Urbane Gold Credit Card vs 811 Dream Different Credit Card
- Kotak Urbane Gold Credit Card vs AU Altura Credit Card
- Kotak Urbane Gold Credit Card vs AU Zenith Credit Card
- Kotak Urbane Gold Credit Card vs American Express Gold Card
- Kotak Urbane Gold Credit Card vs American Express Platinum Travel Card
- Kotak Urbane Gold Credit Card vs American Express SmartEarn Credit Card
- Kotak Urbane Gold Credit Card vs Amex Membership Rewards CC
- Kotak Urbane Gold Credit Card vs Axis Bank ACE Credit Card
- Kotak Urbane Gold Credit Card vs Axis Bank Airtel Credit Card
- Kotak Urbane Gold Credit Card vs Axis Bank Atlas Credit Card
- Kotak Urbane Gold Credit Card vs Axis Bank Flipkart Credit Card
- Kotak Urbane Gold Credit Card vs Axis Bank Magnus Credit Card