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Kotak Urbane Gold Credit Card vs SBI BPCL Octane

Honest side-by-side comparison of Kotak Urbane Gold Credit Card, SBI BPCL Octane — 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

SBI BPCL Octane

SBI Card

Your adjusted comparison

Feature
Kotak Urbane Gold Credit Card

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

SBI BPCL Octane credit card

SBI BPCL Octane

SBI Card

Fees & eligibility
Annual fee₹199₹1,499
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹2,850/yr
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery—₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)
Fuel—₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo
Top reward rate3 reward points/₹10025X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNon-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus—₹6,000

Stack mode (hold both)

Cap-aware split: ~₹3,780/yr combined NAV (₹930 vs best solo). Both annual fees apply.

Kotak Urbane Gold Credit Card details →SBI BPCL Octane details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI BPCL Octane leads Kotak Urbane Gold Credit Card by about ₹1,830/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 Urbane Gold Credit Card vs SBI BPCL Octane comparison table
FeatureKotak Urbane Gold Credit Card

Kotak Mahindra Bank

SBI BPCL Octane

SBI Card

Fees & eligibility
Annual fee₹199₹1,499
Fee waiver thresholdWaived at ₹2,00,000/yr spendWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,020/yr₹2,850/yr
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr)
Dining & delivery—₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/yr)
Fuel—₹3,000 → 750 pts/mo × ₹0.25/pt = ₹187.50/mo (₹2,250/yr) · issuer max ₹10,000/mo
Top reward rate3 reward points/₹10025X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNon-BPCL fuel · EMI · Rent · Wallet
Bonuses
Signup bonus—₹6,000

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?
SBI BPCL Octane leads with an estimated ₹2,850/yr net annual value on moderate spend.
Which card has the lower income requirement?
Kotak Urbane Gold Credit Card lists a minimum monthly income of ₹30,000.
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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