Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplySAVE lists a minimum monthly income of ₹18,000.

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 SimplySAVE

Honest side-by-side comparison of Kotak Urbane Gold Credit Card, SBI SimplySAVE — 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 SimplySAVE leads Kotak Urbane Gold Credit Card by about ₹5,341/yr in estimated net value.

Kotak Urbane Gold Credit Card vs SBI SimplySAVE comparison table
Feature	Kotak Urbane Gold Credit Card Kotak Mahindra Bank	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹1,999	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹5,481/yr
Groceries (offline)	—	15 pts per ₹150 spend → ₹150/mo (₹1,800/yr)
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Fuel	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Top reward rate	3X reward points	10 RP/₹100
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI SimplySAVE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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 SimplySAVE

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 CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹1,999	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹30,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹140/yr	₹5,481/yr
Groceries (offline)	—	15 pts per ₹150 spend → ₹150/mo (₹1,800/yr)
Dining & delivery	3 pts per ₹150 spend → ₹20/mo (₹240/yr)	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Fuel	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Top reward rate	3X reward points	10 RP/₹100
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	EMI · Fuel · Rent	EMI · Rent · Wallet
Bonuses
Signup bonus	—	₹2,000

Kotak Urbane Gold Credit Card details →SBI SimplySAVE details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Kotak Urbane Gold Credit Card comparisons