Side-by-side · honest numbers
Kotak White Credit Card vs RBL Bank Icon Credit Card vs SBI Card ELITE
Honest side-by-side comparison of Kotak White Credit Card, RBL Bank Icon 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 Kotak White Credit Card by about ₹1,621/yr.
| Feature | Kotak White Credit Card Kotak Mahindra Bank | RBL Bank Icon Credit Card RBL Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹5,000 | ₹4,999 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | No waiver published | ₹10,00,000/yr |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | -₹4,920/yr | ₹1,701/yr |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2X reward points | 2X points/₹150 | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access — verify visit count on issuer site | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) | 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 | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹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.
Kotak White Credit Card
Kotak Mahindra Bank
RBL Bank Icon Credit Card
RBL Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | 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 | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL 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 | ₹3,000 | ₹5,000 | ₹4,999 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | No waiver published | ₹10,00,000/yr |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | -₹4,920/yr | ₹1,701/yr |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 2X reward points | 2X points/₹150 | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge access — verify visit count on issuer site | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) | 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 | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
Share this comparison
https://cardhungry.com/in/en/compare/kotak-white-vs-rbl-icon-vs-sbi-eliteMore Kotak White Credit Card comparisons
- Kotak White Credit Card vs 811 Dream Different Credit Card
- Kotak White Credit Card vs AU Altura Credit Card
- Kotak White Credit Card vs AU Zenith Credit Card
- Kotak White Credit Card vs American Express Gold Card
- Kotak White Credit Card vs American Express Platinum Travel Card
- Kotak White Credit Card vs American Express SmartEarn Credit Card
- Kotak White Credit Card vs Amex Membership Rewards CC
- Kotak White Credit Card vs Axis Bank ACE Credit Card
- Kotak White Credit Card vs Axis Bank Airtel Credit Card
- Kotak White Credit Card vs Axis Bank Atlas Credit Card
- Kotak White Credit Card vs Axis Bank Flipkart Credit Card
- Kotak White Credit Card vs Axis Bank Magnus Credit Card