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Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs Kotak Mahindra Bank Feast Gold

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureShaurya SBI CardKotak Mahindra Bank Feast Gold
Annual Fee₹250₹499
Joining Fee₹250Free
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.0625%1%
Reward CurrencyReward PointsDining Points
NetworkRuPayVisa
Editor Rating7.5/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Kotak Mahindra Bank Feast Gold

Pros

  • High 10% reward rate on dining and movie spends.
  • Reward points have a high value of ₹1 per point.
  • Low annual fee of ₹499 with no joining fee.
  • Feast Shield provides ₹50,000 insurance against fraudulent transactions.

Cons

  • Rewards are capped at 600 points (₹600) per billing cycle.
  • Requires a minimum total spend of ₹5,000 in a cycle to qualify for dining points.
  • Dining points are only awarded for the first 5 transactions in a cycle.

Our Verdict

Shaurya SBI Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose Kotak Mahindra Bank Feast Gold if

Offers a significant 10% value back on restaurant and movie spends, making it ideal for weekend outings.

Frequently Asked Questions

Which is better: Shaurya SBI Card or Kotak Mahindra Bank Feast Gold?
Shaurya SBI Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Feast Gold could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and Kotak Mahindra Bank Feast Gold?
Shaurya SBI Card has an annual fee of ₹250, while Kotak Mahindra Bank Feast Gold has an annual fee of ₹499. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Kotak Mahindra Bank Feast Gold?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Kotak Mahindra Bank Feast Gold offers 1% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Kotak Mahindra Bank Feast Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Kotak Mahindra Bank Feast Gold can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Kotak Mahindra Bank Feast Gold?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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