Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs PhonePe SBI Card SELECT BLACK
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, PhonePe SBI Card SELECT BLACK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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.
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
PhonePe SBI Card SELECT BLACK
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 SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 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 SELECT BLACK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/yr | ₹7,350/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo |
| Utilities & bills | — | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo |
| Top reward rate | 3 reward points/₹100 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | 4 domestic airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹1,500 |
Stack mode (hold both)
Cap-aware split: ~₹10,080/yr combined NAV (₹2,730 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/kotak-urbane-vs-phonepe-sbi-select-blackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads Kotak Urbane Gold Credit Card by about ₹6,330/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 SELECT BLACK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹3,00,000/yr spend |
| Min income | ₹30,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/yr | ₹7,350/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo |
| Utilities & bills | — | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo |
| Top reward rate | 3 reward points/₹100 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | 4 domestic airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹1,500 |
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 SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- PhonePe SBI Card SELECT BLACK 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.
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