Head-to-head · 🇮🇳 India
Kotak White Reserve vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
Wins 1 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 6 of 10
Verdict
SBI Aurum wins 6-1. Invitation-only super-premium SBI metal card. Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Kotak White Reserve | SBI Aurum |
|---|---|---|
| Annual fee | · ₹12,500 | ₹9,999 |
| Joining fee | · ₹12,500 | ₹9,999 |
| Top reward rate | · Milestone | 4% (general) |
| Base reward rate | · Milestone | 4% |
| Forex markup | = 2% | = N/A |
| Welcome bonus | · N/A | 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹1,000,000 / yr | · ₹1,500,000 / yr |
| Min income | = Not verified | = ₹3,500,000 |
| Min credit score | · N/A | 800 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
Kotak White Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›Kotak White Reserve vs SBI Aurum: which is better?
SBI Aurum wins on more dimensions (6 vs 1). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Kotak White Reserve for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak White Reserve doesn't list a welcome bonus. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.