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| Feature | Kotak Mahindra Bank Kotak Air Credit Card | SBI Card IndiGo SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Kotak Mahindra Bank | SBI Card |
| Network | Visa | Mastercard + RuPay |
| Annual fee | ₹999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 1% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 1% · Kotak Unbox travel bonus | 3% · IndiGo purchase BluChips |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 3.5% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Occasional travellers who will book through Kotak Unbox and use a few domestic lounge visits. | Frequent IndiGo flyers with substantial annual travel and international lounge use. |
| Main trade-off | Kotak explicitly publishes no annual-fee waiver for this card. The 3X Unbox bonus is capped at 5,000 bonus miles per statement cycle, lounge access is spend-gated, and common regulated categories earn no miles. | There is no annual-fee waiver. Domestic lounge access requires ₹1 lakh eligible spend in the preceding quarter, and BluChips are airline currency rather than cash. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
