Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs SBI Cashback Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, SBI Cashback Credit Card, Standard Chartered Smart 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
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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 Cashback Credit Card
SBI Card
Standard Chartered Smart Card
Standard Chartered
Your adjusted comparison
| Feature | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI Cashback Credit Card SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹199 | ₹999 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹30,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,020/yr | ₹5,520/yr | ₹2,831/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) |
| Top reward rate | 3 reward points/₹100 | 5% | 2% cashback |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/kotak-urbane-vs-sbi-cashback-vs-sc-smartReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of Standard Chartered Smart Card by about ₹2,689/yr.
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 | SBI Cashback Credit Card SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹199 | ₹999 | ₹499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹30,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,020/yr | ₹5,520/yr | ₹2,831/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) |
| Top reward rate | 3 reward points/₹100 | 5% | 2% cashback |
| Primary reward cap | No monthly cap published | ₹2,000 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | Fuel · Utilities · Insurance · Rent · Wallet loads | EMI · Fuel · Rent |
| 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.
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