Side-by-side · honest numbers
Kotak White Credit Card vs SBI Card PRIME vs SBI SimplySAVE
Honest side-by-side comparison of Kotak White Credit Card, SBI Card PRIME, SBI SimplySAVE — 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 SimplySAVE ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹3,980/yr.
| Feature | Kotak White Credit Card Kotak Mahindra Bank | SBI Card PRIME SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,999 | ₹499 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | ₹5,00,000/yr | No waiver published |
| Min income | ₹50,000/mo | ₹45,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹1,501/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 2X reward points | 4X reward points | 10 RP/₹100 |
| 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 visits per year — verify count | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹3,000 | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI SimplySAVE has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- SBI SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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
SBI Card PRIME
SBI Card
SBI SimplySAVE
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 | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹2,999 | ₹499 |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | ₹5,00,000/yr | No waiver published |
| Min income | ₹50,000/mo | ₹45,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹80/yr | ₹1,501/yr | ₹5,481/yr |
| Groceries (offline) | — | — | 15 pts per ₹150 spend → ₹150/mo (₹1,800/yr) |
| Dining & delivery | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Fuel | — | — | 15 pts per ₹150 spend → ₹100/mo (₹1,200/yr) |
| Travel | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Top reward rate | 2X reward points | 4X reward points | 10 RP/₹100 |
| 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 visits per year — verify count | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹3,000 | ₹2,000 |
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https://cardhungry.com/in/en/compare/kotak-white-vs-sbi-prime-vs-sbi-simplysaveMore Kotak White Credit Card comparisons
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