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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 | ₹3,000 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 2% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 2% · Kotak Unbox flight and hotel 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 | 8 domestic airport lounge visits per year • 2 international airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 2% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Travellers who book through Kotak Unbox and prefer simple Air Miles over complex transfer ratios. | Frequent IndiGo flyers with substantial annual travel and international lounge use. |
| Main trade-off | International transactions earn no miles despite the low forex markup. Direct booking redemption can cover only 80% of a booking, and transfer ratios vary by partner. | 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.
