Side-by-side · honest numbers
Amex Membership Rewards CC vs Kotak White Credit Card vs SBI Card ELITE
Honest side-by-side comparison of Amex Membership Rewards CC, Kotak White Credit Card, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card ELITE ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹879/yr.
| Feature | Amex Membership Rewards CC American Express | Kotak White Credit Card Kotak Mahindra Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹3,000 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹60,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹80/yr | ₹1,701/yr |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2 RP/₹150 | 2X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹5,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak White Credit Card has the lowest annual fee at ₹3,000.
- Which card earns more on moderate spend?
- SBI Card ELITE leads with an estimated ₹1,701/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak White Credit Card lists a minimum monthly income of ₹50,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Amex Membership Rewards CC
American Express
Kotak White Credit Card
Kotak Mahindra Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹3,000 | ₹4,999 |
| Fee waiver threshold | No waiver published | Waived at ₹4,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹60,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹80/yr | ₹1,701/yr |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2 RP/₹150 | 2X reward points | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹5,000 |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-kotak-white-vs-sbi-eliteMore Amex Membership Rewards CC comparisons
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