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Side-by-Side Comparison|Updated March 2026

Kotak Mahindra Bank Feast Gold vs SBI Card PRIME

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

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
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Feature-by-Feature Comparison

FeatureKotak Mahindra Bank Feast GoldSBI Card PRIME
Annual Fee₹499₹2,999
Joining FeeFree₹2,999
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate1%0.125%
Reward CurrencyDining PointsReward 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

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

SBI Card PRIME 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 SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Kotak Mahindra Bank Feast Gold or SBI Card PRIME?
SBI Card PRIME 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 SBI Card PRIME?
Kotak Mahindra Bank Feast Gold has an annual fee of ₹499, while SBI Card PRIME has an annual fee of ₹2,999. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Kotak Mahindra Bank Feast Gold or SBI Card PRIME?
Kotak Mahindra Bank Feast Gold offers a base reward rate of 1% with accelerated rewards on Dining and Movies. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Kotak Mahindra Bank Feast Gold and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Mahindra Bank Feast Gold and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Mahindra Bank Feast Gold or SBI Card PRIME?
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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