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Kotak League Platinum vs PhonePe SBI Card SELECT BLACK

Honest side-by-side comparison of Kotak League Platinum, PhonePe SBI Card SELECT BLACK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Kotak League Platinum

Kotak Mahindra Bank

PhonePe SBI Card SELECT BLACK

SBI Card

Your adjusted comparison

Feature
Kotak League Platinum credit card

Kotak League Platinum

Kotak Mahindra Bank

PhonePe SBI Card SELECT BLACK credit card

PhonePe SBI Card SELECT BLACK

SBI Card

Fees & eligibility
Annual fee₹499₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹3,00,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹911/yr₹7,350/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills—₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate2 RP/₹15010%
Primary reward capNo monthly cap published₹1,500 rewards/mo cap
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusionsEMI · Fuel · RentFuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus—₹1,500

Stack mode (hold both)

Cap-aware split: ~₹9,491/yr combined NAV (₹2,141 vs best solo). Both annual fees apply.

Kotak League Platinum details →PhonePe SBI Card SELECT BLACK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads Kotak League Platinum by about ₹6,439/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Kotak League Platinum vs PhonePe SBI Card SELECT BLACK comparison table
FeatureKotak League Platinum

Kotak Mahindra Bank

PhonePe SBI Card SELECT BLACK

SBI Card

Fees & eligibility
Annual fee₹499₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹3,00,000/yr spend
Min income₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹911/yr₹7,350/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills—₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate2 RP/₹15010%
Primary reward capNo monthly cap published₹1,500 rewards/mo cap
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusionsEMI · Fuel · RentFuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus—₹1,500

Frequently asked questions

Which card has the lower annual fee?
Kotak League Platinum has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
Which card has the lower income requirement?
Kotak League Platinum lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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