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Kotak White Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Kotak White Credit Card, SBI Card against Fixed Deposit — 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

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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 White Credit Card

Kotak Mahindra Bank

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
Kotak White Credit Card

Kotak White Credit Card

Kotak Mahindra Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹3,000Lifetime free
Fee waiver threshold₹4,00,000/yrLifetime free
Min income₹50,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹3,420/yr₹1,440/yr
Travel₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)—
Top reward rate2X reward points80% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

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

Kotak White Credit Card details →SBI Card against Fixed Deposit details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads Kotak White Credit Card by about ₹4,860/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 White Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureKotak White Credit Card

Kotak Mahindra Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹3,000Lifetime free
Fee waiver threshold₹4,00,000/yrLifetime free
Min income₹50,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹3,420/yr₹1,440/yr
Travel₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr)—
Top reward rate2X reward points80% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI Card against Fixed Deposit leads with an estimated ₹1,440/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.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
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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