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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs Apollo SBI 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 Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
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SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardApollo SBI Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate0.5599999999999999%0.25%
Reward CurrencyReward PointsReward Points
NetworkVisaMastercard
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Apollo SBI Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and Apollo SBI Card?
Kotak Infinite Credit Card has no annual fee, while Apollo SBI Card has an annual fee of ₹499. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Apollo SBI Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Apollo SBI Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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