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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs Kotak Mahindra Bank Privy League Signature

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Kotak Mahindra Bank

Kotak Mahindra Bank Privy League Signature

7.4/10
Annual Fee₹2,500
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTKotak Mahindra Bank Privy League Signature
Annual Fee₹1,499₹2,500
Joining Fee₹1,499Free
Fee Waiver Spend₹2,00,000₹5,00,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointKotak Reward Points
NetworkVisaVisa
Editor Rating7.5/107.4/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

Kotak Mahindra Bank Privy League Signature

  • 0% on Shopper's Plan
  • 0% on Traveller's Plan

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

Kotak Mahindra Bank Privy League Signature

Pros

  • Flexible reward plans: Choose between Shopper's or Traveller's plan for 5X rewards.
  • High quarterly bonus: Earn 6,400 bonus points (worth ₹1,600) by spending just ₹1,000 monthly.
  • Complimentary movie benefits: 4 PVR tickets per quarter (or equivalent reward points).
  • Low forex markup: 2% markup on the paid variant is competitive for international travel.

Cons

  • High interest rate: APR increased to 45% p.a. effective June 2025.
  • Restrictive eligibility: Only available to Kotak Privy League banking customers.
  • Reward caps: New limits on utility, education, and insurance spends effective June 2025.

Our Verdict

Both Fabindia SBI Card SELECT and Kotak Mahindra Bank Privy League Signature are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose Kotak Mahindra Bank Privy League Signature if

Best suited for those already maintaining a high-value relationship with Kotak to get the card LTF or with premium perks.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or Kotak Mahindra Bank Privy League Signature?
Both Fabindia SBI Card SELECT and Kotak Mahindra Bank Privy League Signature are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Fabindia SBI Card SELECT and Kotak Mahindra Bank Privy League Signature?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while Kotak Mahindra Bank Privy League Signature has an annual fee of ₹2,500. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. Kotak Mahindra Bank Privy League Signature offers a fee waiver on ₹5,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or Kotak Mahindra Bank Privy League Signature?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. Kotak Mahindra Bank Privy League Signature offers 0.5% base rewards with bonuses on Shopper's Plan and Traveller's Plan. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and Kotak Mahindra Bank Privy League Signature?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and Kotak Mahindra Bank Privy League Signature can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or Kotak Mahindra Bank Privy League Signature?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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