Which card has the lower annual fee?

Kotak League Platinum has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Kotak League Platinum leads with an estimated ₹911/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.

Side-by-side · honest numbers

Kotak League Platinum vs SBI Card PRIME

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

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

Kotak League Platinum

Kotak Mahindra Bank

Card 2

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature	Kotak League Platinum Kotak Mahindra Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹499	₹2,999
Fee waiver threshold	No waiver published	₹5,00,000/yr
Min income	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/yr	-₹2,339/yr
Travel	—	₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate	2 RP/₹150	5X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Kotak League Platinum details →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak League Platinum leads SBI Card PRIME by about ₹3,250/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 SBI Card PRIME comparison table
Feature	Kotak League Platinum Kotak Mahindra Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹499	₹2,999
Fee waiver threshold	No waiver published	₹5,00,000/yr
Min income	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/yr	-₹2,339/yr
Travel	—	₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate	2 RP/₹150	5X reward points
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹3,000

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?: Kotak League Platinum leads with an estimated ₹911/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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