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| Feature | Kotak Mahindra Bank Kotak Air Credit Card | SBI Card KrisFlyer SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Kotak Mahindra Bank | SBI Card |
| Network | Visa | Mastercard |
| Annual fee | ₹999 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 1% · Other eligible Air Miles | 2.5% · International-spend miles |
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 | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| 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. | Singapore Airlines and Scoot travellers who want KrisFlyer miles without the APEX fee. |
| 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. Mile value depends on award availability, utilities, government, wallet, rent and fuel earn no miles, and transferred KrisFlyer miles expire under the airline programme. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
