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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs SBI Card MILES ELITE

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 MILES ELITE

8.2/10
Annual Fee₹4,999
Base Rewards1%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardSBI Card MILES ELITE
Annual FeeFree₹4,999
Joining FeeFree₹4,999
Fee Waiver SpendN/A₹15,00,000
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsTravel Credits
NetworkVisaMastercard
Editor Rating8.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

SBI Card MILES ELITE

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 MILES ELITE

Pros

  • High 3% reward rate on travel spends (6 Travel Credits per ₹200).
  • 1:1 conversion ratio for Travel Credits to Air Miles and Hotel Points with major partners.
  • Unique spend-linked domestic lounge access (1 extra visit per ₹1 Lakh spend).
  • Low foreign currency markup of 1.99%, ideal for international travelers.

Cons

  • High annual fee of ₹4,999 with a steep waiver threshold of ₹15 Lakhs.
  • Lounge access is capped per quarter (2 visits), which may be restrictive for frequent flyers.
  • Air Accident insurance coverage was discontinued as of July 2025.

Our Verdict

Both Kotak Infinite Credit Card and SBI Card MILES ELITE 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 MILES ELITE if

High reward rates on flights and hotels with 1:1 mile conversion across multiple airlines.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or SBI Card MILES ELITE?
Both Kotak Infinite Credit Card and SBI Card MILES ELITE 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 MILES ELITE?
Kotak Infinite Credit Card has no annual fee, while SBI Card MILES ELITE has an annual fee of ₹4,999. SBI Card MILES ELITE offers a fee waiver on ₹15,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or SBI Card MILES ELITE?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. SBI Card MILES ELITE offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and SBI Card MILES ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and SBI Card MILES ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or SBI Card MILES ELITE?
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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