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Card #1SBI Card ELITE

SBI Card ELITE

STATE BANK OF INDIA

Card #2IndianOil Kotak Credit Card

IndianOil Kotak Credit Card

KOTAK MAHINDRA BANK LTD

The Verdict: SBI Card ELITE

SBI Card ELITE edges out as the overall top card in this comparison due to superior rewards, expert scoring, and overall versatility.

Parameter

SBI Card ELITE

IndianOil Kotak Credit Card

Financials & Fees

Joining Fee

₹4,999
₹449

Annual Fee

₹4,999
₹449

Reward Rate

1%
1%

Travel & Lifestyle

Lounge (Domestic)

0 / qtr
0 / qtr

Lounge (Intl)

0 / yr
0 / yr

Networks

VISA/Mastercard
VISA/Mastercard

Expert Verdict

Credhunt Rating

5 / 5
5 / 5
Find More AlternativesNew Comparison

Final Verdict: SBI Card ELITE vs IndianOil Kotak Credit Card

For ongoing spends, expert ratings, and reward multipliers, our side-by-side breakdown gives you the full transparent truth on which card is a better fit for your personal lifestyle.