Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs SBI SimplySAVE vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, SBI SimplySAVE, Standard Chartered Ultimate Credit Card — 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 ranks first for estimated net annual value — ahead of Standard Chartered Ultimate Credit Card by about ₹1,721/yr.
| Feature | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI SimplySAVE SBI Card | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,999 | ₹499 | ₹5,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹30,000/mo | ₹18,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹5,481/yr | ₹3,760/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) | — |
| Travel | — | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X reward points | 10 RP/₹100 | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet | EMI · Fuel · Rent |
| 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.
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
SBI SimplySAVE
SBI Card
Standard Chartered Ultimate Credit Card
Standard Chartered
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 | Standard CharteredPlatinum Standard Chartered Ultimate Credit Card •••• •••• •••• 4242 Quick facts Standard Chartered Ultimate Credit Card Top reward5% Annual fee₹5,000 Min income₹60,000/mo Tap to flip back Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,999 | ₹499 | ₹5,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | No waiver published |
| Min income | ₹30,000/mo | ₹18,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹140/yr | ₹5,481/yr | ₹3,760/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) | — |
| Travel | — | — | 5% cashback → ₹250/mo (₹3,000/yr) |
| Top reward rate | 3X reward points | 10 RP/₹100 | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹5,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹2,000 | — |
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https://cardhungry.com/in/en/compare/kotak-urbane-vs-sbi-simplysave-vs-sc-ultimateMore Kotak Urbane Gold Credit Card comparisons
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