Head-to-head · 🇮🇳 India
SBI Aurum vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
IN
Premium
Kotak Mahindra Bank
Kotak White
VISA
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | SBI Aurum | Kotak White |
|---|---|---|
| Annual fee | · ₹9,999 | ₹3,000 |
| Joining fee | · ₹9,999 | ₹3,000 |
| Top reward rate | 4% (general) | · Milestone |
| Base reward rate | 4% | · Milestone |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹500,000 / yr |
| Min income | · ₹3,500,000 | ₹2,500,000 |
| Min credit score | 800 | · N/A |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›SBI Aurum vs Kotak White: which is better?
It's a true tie, pick the one whose boost categories match your spend. SBI Aurum wins on 4 criteria, Kotak White on 4.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI Aurum for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Aurum: 10,000 reward points + ₹10,000 brand voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.