SBI ELITE vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI ELITE wins 5-3. Mid-premium SBI card with strong club benefits. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | SBI ELITE | Kotak White |
|---|---|---|
| Annual fee | · ₹4,999 | ₹3,000 |
| Joining fee | · ₹4,999 | ₹3,000 |
| Top reward rate | 2% (general) | · Milestone |
| Base reward rate | 2% | · Milestone |
| Forex markup | = N/A | = 3.5% |
| Welcome bonus | = 5,000 bonus reward points + ₹5,000 e-gift voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹500,000 / yr |
| Min income | ₹600,000 | · ₹2,500,000 |
| Min credit score | 770 | · N/A |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
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 ELITE vs Kotak White: which is better?
SBI ELITE wins on more dimensions (5 vs 3). 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 SBI ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.