IndiGo Kotak Credit Card - Premium vs Club Vistara SBI Card PRIME
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₹3,000
Max Reward21%
SBI CardScoreBasic
Annual Fee₹2,999
Max RewardStandard
IndiGo Kotak Credit Card - Premium leads overall with a CardCheck Score of 76/100 (+35 pts over Club Vistara SBI Card PRIME).
4-Pillar Head-to-Head Breakdown
IndiGo vs ClubReward Power
35%IndiGo35/35
Club15/35
IndiGo Wins
Fee Value & ROI
25%IndiGo18/25
Club14/25
IndiGo Wins
Lounge & Travel
20%IndiGo15/20
Club4/20
IndiGo Wins
Forex & Access
20%IndiGo8/20
Club8/20
Tie (8/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 76Best
- 41
- Rating Verdict
- Very Good
- Basic
- Reward Power (35%)
- 35/35
- 15/35
- Fee Value & ROI (25%)
- 18/25
- 14/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 8/20
- 8/20
02—Basic Info
- Bank
- Kotak Mahindra Bank
- SBI Card
- Card type
- Co-branded
- Co-branded
- Best for
- frequent IndiGo flyers
- Vistara flyers
03—Fees
- Joining fee
- ₹3,000
- ₹2,999Best
- Annual fee
- ₹3,000
- ₹2,999Best
- Fee waiver
- —
- ₹3,00,000
04—Interest
- APR (min)
- 45%
- —
- APR (max)
- 45%
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- —
- Min rate
- 2%
- —
- Max rate
- 21%
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Invite only
Rows won
01of 03
02of 03
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 76Best | 41 |
| Rating Verdict | Very Good | Basic |
| Reward Power (35%) | 35/35 | 15/35 |
| Fee Value & ROI (25%) | 18/25 | 14/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Kotak Mahindra Bank | SBI Card |
| Card type | Co-branded | Co-branded |
| Best for | frequent IndiGo flyers | Vistara flyers |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000 | ₹2,999Best |
| Annual fee | ₹3,000 | ₹2,999Best |
| Fee waiver | — | ₹3,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | — |
| APR (max) | 45% | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | — |
| Min rate | 2% | — |
| Max rate | 21% | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Invite only | ||
| Rows won | 01of 03 | 02of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndiGo Kotak Credit Card - Premium | Club Vistara SBI Card PRIME |
|---|---|---|
| CardCheck Score | 76/100Very Good | 41/100Basic |
| Annual Fee | ₹3,000 | ₹2,999 |
| Fee Waiver Spend | No waiver | ₹3L/yr |
| Max Reward Potential | 21% | Standard |
| Domestic Lounge Access | 2 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IndiGo Kotak Credit Card - Premium if:
Your spending centers around frequent indigo flyers and you want direct partner rewards with Kotak Mahindra Bank.
Choose Club Vistara SBI Card PRIME if:
Your spending aligns with vistara flyers and you prioritize SBI Card's redemption benefits.
Frequently asked questions: IndiGo Kotak Credit Card - Premium vs Club Vistara SBI Card PRIME
- Which is better: IndiGo Kotak Credit Card - Premium or Club Vistara SBI Card PRIME?
- IndiGo Kotak Credit Card - Premium holds a higher overall rating with a CardCheck Score of 76/100 (Very Good) compared to 41/100 (Basic) for Club Vistara SBI Card PRIME (a lead of +35 points). IndiGo Kotak Credit Card - Premium provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- IndiGo Kotak Credit Card - Premium charges an annual fee of ₹3,000 with no official annual spend waiver milestone for renewal fee waiver. In comparison, Club Vistara SBI Card PRIME charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between IndiGo Kotak Credit Card - Premium and Club Vistara SBI Card PRIME?
- IndiGo Kotak Credit Card - Premium offers a base reward rate of 2% and up to 21% on accelerated partner categories. Meanwhile, Club Vistara SBI Card PRIME offers a base rate of standard and up to accelerated 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 - Premium or Club Vistara SBI Card PRIME?
- IndiGo Kotak Credit Card - Premium provides 2 domestic lounge visit(s) per quarter. On the other hand, Club Vistara SBI Card PRIME provides standard lounge access terms subject to bank quarterly spend criteria. 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 - Premium levies a foreign currency markup fee of 3.50%, while Club Vistara SBI Card PRIME charges 3.50%. 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).