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 Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Cashback Credit Card 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 Urbane Gold Credit Card vs SBI Cashback Credit Card

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

Kotak Mahindra Bank

Card 2

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹199	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹30,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,020/yr	₹5,520/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Top reward rate	3 reward points/₹100	5%
Primary reward cap	No monthly cap published	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹5,910/yr combined NAV (₹390 vs best solo). Both annual fees apply.

Kotak Urbane Gold Credit Card details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads Kotak Urbane Gold Credit Card by about ₹4,500/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 Cashback Credit Card comparison table
Feature	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI Cashback Credit Card SBI Card
Fees & eligibility
Annual fee	₹199	₹999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹30,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,020/yr	₹5,520/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Top reward rate	3 reward points/₹100	5%
Primary reward cap	No monthly cap published	₹2,000 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus	—	—

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 Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Cashback Credit Card 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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