Kotak White Reserve vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Prime wins 7-2. Step up from SimplyClick with lounge access. 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 Prime |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,999 |
| Joining fee | · ₹12,500 | ₹2,999 |
| Top reward rate | · Milestone | 5% (shopping) |
| Base reward rate | · Milestone | 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | · N/A | ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹300,000 / yr |
| Min income | = Not verified | = ₹480,000 |
| Min credit score | · N/A | 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›Kotak White Reserve vs SBI Prime: which is better?
SBI Prime wins on more dimensions (7 vs 2). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).