Kotak White Reserve Credit Card vs CASHBACK SBI Card
Kotak Mahindra Bank · SBI Card — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Kotak Mahindra BankScoreVery Good
Annual Fee₹12,500
Max Reward2.5%
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
Even Match: Both cards tie with an identical CardCheck Score of 70/100.
4-Pillar Head-to-Head Breakdown
Kotak vs CASHBACKReward Power
35%Kotak34/35
CASHBACK34/35
Tie (34/35)
Fee Value & ROI
25%Kotak18/25
CASHBACK20/25
CASHBACK Wins
Lounge & Travel
20%Kotak6/20
CASHBACK4/20
Kotak Wins
Forex & Access
20%Kotak12/20
CASHBACK12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 70
- 70
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 20/25
- Lounge & Travel (20%)
- 6/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Kotak Mahindra Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Regular
- Best for
- Kotak's ultra-premium — unlimited lounge, 1.5% forex, concierge & golf privileges
- Online cashback
03—Fees
- Joining fee
- ₹12,500
- ₹999Best
- Annual fee
- ₹12,500
- ₹999Best
- Fee waiver
- ₹10,00,000
- ₹2,00,000Best
- Interest-free days
- 51Best
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1.5%Best
- 1%
- Max rate
- 2.5%
- 5%Best
- Point value
- ₹1
- —
- Monthly cap
- —
- ₹4,000
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 0
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹3,00,000
- ₹25,000
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 70 | 70 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 20/25 |
| Lounge & Travel (20%) | 6/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Kotak Mahindra Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Regular |
| Best for | Kotak's ultra-premium — unlimited lounge, 1.5% forex, concierge & golf privileges | Online cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹12,500 | ₹999Best |
| Annual fee | ₹12,500 | ₹999Best |
| Fee waiver | ₹10,00,000 | ₹2,00,000Best |
| Interest-free days | 51Best | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1.5%Best | 1% |
| Max rate | 2.5% | 5%Best |
| Point value | ₹1 | — |
| Monthly cap | — | ₹4,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 0 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹3,00,000 | ₹25,000 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Kotak White Reserve Credit Card | CASHBACK SBI Card |
|---|---|---|
| CardCheck Score | 70/100Very Good | 70/100Very Good |
| Annual Fee | ₹12,500 | ₹999 |
| Fee Waiver Spend | ₹10L/yr | ₹2L/yr |
| Max Reward Potential | 2.5% | 5% |
| Domestic Lounge Access | Check terms | None |
| International Lounge | None | None |
| Forex Markup Fee | 2% | 3.5% |
Choose Kotak White Reserve Credit Card if:
Your spending centers around kotak's ultra-premium — unlimited lounge, 1.5% forex, concierge & golf privileges 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: Kotak White Reserve Credit Card vs CASHBACK SBI Card
- Which is better: Kotak White Reserve Credit Card or CASHBACK SBI Card?
- Both Kotak White Reserve Credit Card and CASHBACK SBI Card tie with an identical CardCheck Score of 70/100 (Very Good). Your choice should depend on specific category preferences and whether you prefer Kotak Mahindra Bank's or SBI Card's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- Kotak White Reserve Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh 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 Kotak White Reserve Credit Card and CASHBACK SBI Card?
- Kotak White Reserve Credit Card offers a base reward rate of 1.5% and up to 2.5% 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: Kotak White Reserve Credit Card or CASHBACK SBI Card?
- Kotak White Reserve Credit Card provides no complimentary airport lounge access. On the other hand, CASHBACK SBI Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Kotak White Reserve Credit Card levies a foreign currency markup fee of 2%, 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).