IndiGo Kotak Credit Card - Base vs CASHBACK SBI Card
Kotak Mahindra Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Kotak Mahindra BankScoreVery Good
Annual Fee₹1,500
Max Reward19%
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
IndiGo Kotak Credit Card - Base leads overall with a CardCheck Score of 76/100 (+6 pts over CASHBACK SBI Card).
4-Pillar Head-to-Head Breakdown
IndiGo vs CASHBACKReward Power
35%IndiGo35/35
CASHBACK34/35
IndiGo Wins
Fee Value & ROI
25%IndiGo18/25
CASHBACK20/25
CASHBACK Wins
Lounge & Travel
20%IndiGo15/20
CASHBACK4/20
IndiGo Wins
Forex & Access
20%IndiGo8/20
CASHBACK12/20
CASHBACK Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 76Best
- 70
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 20/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- Kotak Mahindra Bank
- SBI Card
- Network
- —
- Visa
- Card type
- Co-branded
- Regular
- Best for
- Frequent IndiGo flyers
- Online cashback
03—Fees
- Joining fee
- ₹1,500
- ₹999Best
- Annual fee
- ₹1,500
- ₹999Best
- Fee waiver
- —
- ₹2,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 45%
- 42%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 19%Best
- 5%
- Points / ₹100
- 1
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- —
- 21
- Min income / month
- —
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76Best | 70 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 20/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Kotak Mahindra Bank | SBI Card |
| Network | — | Visa |
| Card type | Co-branded | Regular |
| Best for | Frequent IndiGo flyers | Online cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,500 | ₹999Best |
| Annual fee | ₹1,500 | ₹999Best |
| Fee waiver | — | ₹2,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 42%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1% | 1% |
| Max rate | 19%Best | 5% |
| Points / ₹100 | 1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | — | 21 |
| Min income / month | — | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndiGo Kotak Credit Card - Base | CASHBACK SBI Card |
|---|---|---|
| CardCheck Score | 76/100Very Good | 70/100Very Good |
| Annual Fee | ₹1,500 | ₹999 |
| Fee Waiver Spend | No waiver | ₹2L/yr |
| Max Reward Potential | 19% | 5% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IndiGo Kotak Credit Card - Base if:
Your spending centers around frequent indigo flyers and you want direct partner rewards with Kotak Mahindra Bank.
Choose CASHBACK SBI Card if:
Your spending aligns with online cashback and you prioritize SBI Card's redemption benefits.
Frequently asked questions: IndiGo Kotak Credit Card - Base vs CASHBACK SBI Card
- Which is better: IndiGo Kotak Credit Card - Base or CASHBACK SBI Card?
- IndiGo Kotak Credit Card - Base holds a higher overall rating with a CardCheck Score of 76/100 (Very Good) compared to 70/100 (Very Good) for CASHBACK SBI Card (a lead of +6 points). IndiGo Kotak Credit Card - Base provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- IndiGo Kotak Credit Card - Base charges an annual fee of ₹1,500 with no official annual spend waiver milestone for renewal fee waiver. In comparison, CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between IndiGo Kotak Credit Card - Base and CASHBACK SBI Card?
- IndiGo Kotak Credit Card - Base offers a base reward rate of 1% and up to 19% on accelerated partner categories. Meanwhile, CASHBACK SBI Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IndiGo Kotak Credit Card - Base or CASHBACK SBI Card?
- IndiGo Kotak Credit Card - Base provides 2 domestic lounge visit(s) per quarter. On the other hand, CASHBACK SBI Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- IndiGo Kotak Credit Card - Base levies a foreign currency markup fee of 3.50%, while CASHBACK SBI Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).