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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs Paytm 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

Paytm SBI Card

7.5/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardPaytm SBI Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/AN/A
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsReward Points
NetworkVisaRuPay
Editor Rating8.2/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Paytm SBI Card

  • 0% on Paytm Mall
  • 0% on Paytm Travel
  • 0% on Paytm Movies
  • 0% on Paytm App Spends

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

Paytm SBI Card

Pros

  • 3% reward points on Paytm Mall, movies, and travel bookings via Paytm app.
  • 2% reward points on all other purchases made through the Paytm app.
  • 1% reward points on all other retail spends, including offline and online stores.
  • Complimentary 1-year Paytm First Membership worth ₹750 as a welcome benefit.

Cons

  • No annual fee waiver based on spending; fee is fixed at ₹499.
  • No complimentary domestic or international airport lounge access.
  • Rewards are credited as Paytm Gift Vouchers, not direct statement credit.

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Paytm 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 Paytm SBI Card if

High reward rates of 2-3% on the Paytm ecosystem make it very rewarding for frequent app users.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Paytm SBI Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Paytm 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 Paytm SBI Card?
Kotak Infinite Credit Card has no annual fee, while Paytm SBI Card has an annual fee of ₹499.
Which card has better rewards: Kotak Infinite Credit Card or Paytm SBI Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Paytm SBI Card offers 1% base rewards with bonuses on Paytm Mall and Paytm Travel. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Paytm SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Paytm SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Paytm 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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