Which card has the lower annual fee?

Kotak Urbane Gold Credit Card has the lowest annual fee at ₹1,999.

Which card earns more on moderate spend?

SBI Card PRIME leads with an estimated ₹1,501/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.

Side-by-side · honest numbers

Kotak Urbane Gold Credit Card vs SBI Card PRIME

Honest side-by-side comparison of Kotak Urbane Gold Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card PRIME leads Kotak Urbane Gold Credit Card by about ₹1,361/yr in estimated net value.

Kotak Urbane Gold Credit Card vs SBI Card PRIME comparison table
Feature	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹1,999	₹2,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹1,501/yr
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Travel	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	3X reward points	4X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

Frequently asked questions

Which card has the lower annual fee?: Kotak Urbane Gold Credit Card has the lowest annual fee at ₹1,999.
Which card earns more on moderate spend?: SBI Card PRIME leads with an estimated ₹1,501/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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Card 2

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹1,999	₹2,999
Fee waiver threshold	Waived at ₹2,00,000/yr spend	₹5,00,000/yr
Min income	₹30,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹1,501/yr
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	—
Travel	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	3X reward points	4X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

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

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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