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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs Tata Platinum 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

Tata Platinum SBI Card

8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardTata Platinum SBI Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹1,00,000
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsTata Card Reward Points
NetworkVisaVisa
Editor Rating8.2/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Tata Platinum SBI Card

  • 2% on Tata Outlets - SHOPPING
  • 3% on DINING
  • 3% on GROCERY
  • 3% on TRAVEL

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

Tata Platinum SBI Card

Pros

  • High 2% value back on Tata Group outlets like Croma, Westside, and Taj Hotels
  • 3x reward points on Dining, Grocery, Departmental stores, and International spends
  • Low annual fee of 499 with achievable waiver threshold
  • Complimentary domestic lounge access (8 visits per year)

Cons

  • Reward redemption is primarily restricted to Tata brand vouchers or outlets
  • Low base reward rate (1%) on non-Tata and non-accelerated spends
  • No international lounge access benefit

Our Verdict

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

Users who frequently shop at Tata brands like Westside, Croma, BigBasket, and Tata Cliq.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Tata Platinum SBI Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Platinum 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 Tata Platinum SBI Card?
Kotak Infinite Credit Card has no annual fee, while Tata Platinum SBI Card has an annual fee of ₹499. Tata Platinum SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Tata Platinum SBI Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Tata Platinum SBI Card offers 1% base rewards with bonuses on Tata Outlets - SHOPPING and DINING. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Tata Platinum SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Tata Platinum SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Tata Platinum 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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