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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs CASHBACK 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

CASHBACK SBI Card

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

FeatureKotak Infinite Credit CardCASHBACK SBI Card
Annual FeeFree₹999
Joining FeeFree₹999
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

CASHBACK SBI Card

  • 0% on Online 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

CASHBACK SBI Card

Pros

  • Flat 5% cashback on almost all online spends without merchant restrictions.
  • 1% flat cashback on all offline spends and utility payments.
  • Cashback is auto-credited to the statement within 2 days of statement generation.
  • Simple annual fee waiver at ₹2 lakh annual spend.

Cons

  • Monthly cashback capped at ₹4,000 (₹2,000 online / ₹2,000 offline) from April 2026.
  • No complimentary domestic or international airport lounge access.
  • Extensive list of exclusions including rent, fuel, wallet loads, and government transactions.

Our Verdict

Both Kotak Infinite Credit Card and CASHBACK SBI Card 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 CASHBACK SBI Card if

Highest flat cashback rate of 5% across all e-commerce platforms like Amazon, Flipkart, and Myntra.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or CASHBACK SBI Card?
Both Kotak Infinite Credit Card and CASHBACK SBI Card 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 CASHBACK SBI Card?
Kotak Infinite Credit Card has no annual fee, while CASHBACK SBI Card has an annual fee of ₹999. CASHBACK SBI Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or CASHBACK SBI Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. CASHBACK SBI Card offers 1% base rewards with bonuses on Online Spends. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and CASHBACK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and CASHBACK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or CASHBACK 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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