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| Feature | SBI Card SBI Card MILES ELITE | 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 | ₹4,999 + GST per year | ₹3,000 + GST per year |
| Annual fee waiver | At ₹15,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 0.8% · Eligible travel MCCs | 2% · Kotak Unbox flight and hotel 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 | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year | 8 domestic airport lounge visits per year • 2 international airport lounge visits per year |
| Forex markup | 2.0% | 2% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Frequent travellers able to use transfer partners and justify a premium annual fee. | Travellers who book through Kotak Unbox and prefer simple Air Miles over complex transfer ratios. |
| Main trade-off | The conservative value is ₹0.25 per Travel Credit; travel booking and partner-transfer values vary. Credits expire after 24 months, and the ₹15 lakh fee waiver is demanding. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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