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| Feature | SBI Card IndiGo SBI Card | Kotak Mahindra Bank Kotak Air Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | Kotak Mahindra Bank |
| Network | Mastercard + RuPay | Visa |
| Annual fee | ₹1,499 + GST per year | ₹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. | ||
| Travel & hotels | 2% · IndiGo purchase BluChips | 1% · Kotak Unbox travel bonus |
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 | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | Regular IndiGo flyers who want RuPay UPI capability and can meet the lounge threshold. | Occasional travellers who will book through Kotak Unbox and use a few domestic lounge visits. |
| Main trade-off | There is no annual-fee waiver. IndiGo uses merchant coding for travel accelerators, and lounge access requires ₹50,000 eligible spend in the preceding quarter. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
