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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs SBI Card AURUM

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

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardSBI Card AURUM
Annual FeeFree₹9,999
Joining FeeFree₹9,999
Fee Waiver SpendN/A₹12,00,000
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsAURUM Reward Point
NetworkVisaVisa
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

SBI Card AURUM

No accelerated rewards listed

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

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

Both Kotak Infinite Credit Card and SBI Card AURUM are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Kotak Infinite Credit Card if

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

Choose SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or SBI Card AURUM?
Both Kotak Infinite Credit Card and SBI Card AURUM 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 Kotak Infinite Credit Card and SBI Card AURUM?
Kotak Infinite Credit Card has no annual fee, while SBI Card AURUM has an annual fee of ₹9,999. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or SBI Card AURUM?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or SBI Card AURUM?
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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