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Side-by-Side Comparison|Updated March 2026

Kotak Mahindra Bank Feast Gold vs Air India SBI Signature Card

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

Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Mahindra Bank Feast GoldAir India SBI Signature Card
Annual Fee₹499₹4,999
Joining FeeFree₹4,999
Fee Waiver SpendN/AN/A
Base Reward Rate1%0.25%
Reward CurrencyDining PointsReward Points / Maharaja Points
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

Kotak Mahindra Bank Feast Gold

Pros

  • High 10% reward rate on dining and movie spends.
  • Reward points have a high value of ₹1 per point.
  • Low annual fee of ₹499 with no joining fee.
  • Feast Shield provides ₹50,000 insurance against fraudulent transactions.

Cons

  • Rewards are capped at 600 points (₹600) per billing cycle.
  • Requires a minimum total spend of ₹5,000 in a cycle to qualify for dining points.
  • Dining points are only awarded for the first 5 transactions in a cycle.

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

Air India SBI Signature Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Mahindra Bank Feast Gold if

Offers a significant 10% value back on restaurant and movie spends, making it ideal for weekend outings.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: Kotak Mahindra Bank Feast Gold or Air India SBI Signature Card?
Air India SBI Signature Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Mahindra Bank Feast Gold and Air India SBI Signature Card?
Kotak Mahindra Bank Feast Gold has an annual fee of ₹499, while Air India SBI Signature Card has an annual fee of ₹4,999.
Which card has better rewards: Kotak Mahindra Bank Feast Gold or Air India SBI Signature Card?
Kotak Mahindra Bank Feast Gold offers a base reward rate of 1% with accelerated rewards on Dining and Movies. Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Mahindra Bank Feast Gold and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Mahindra Bank Feast Gold and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Mahindra Bank Feast Gold or Air India SBI Signature Card?
For beginners, Kotak Mahindra Bank Feast Gold may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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