Side-by-side · honest numbers
Kotak Urbane Gold Credit Card vs slice credit card
Honest side-by-side comparison of Kotak Urbane Gold Credit Card, slice credit card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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
slice credit card
Slice
Your adjusted comparison
| Feature | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | slice credit card Slice |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/yr | ₹3,240/yr |
| Top reward rate | 3 reward points/₹100 | Up to 1% cashback |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/kotak-urbane-vs-slice-credit-cardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, slice credit card leads Kotak Urbane Gold Credit Card by about ₹2,220/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
| Feature | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | slice credit card Slice |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹199 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,020/yr | ₹3,240/yr |
| Top reward rate | 3 reward points/₹100 | Up to 1% cashback |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap |
| UPI rewards | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- slice credit card leads with an estimated ₹3,240/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- slice credit card lists a minimum monthly income of ₹15,000.
- 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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