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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT 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

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

6/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Card SELECTKotak Mahindra Bank Feast Gold
Annual Fee₹2,999₹499
Joining Fee₹2,999Free
Fee Waiver SpendN/AN/A
Base Reward Rate1%1%
Reward CurrencyEmpower PointsDining Points
NetworkVisaVisa
Editor Rating7.8/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Card SELECT

No accelerated rewards listed

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

Pros & Cons

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

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

SBI Card - Tata Card SELECT 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 SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

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: SBI Card - Tata Card SELECT or Kotak Mahindra Bank Feast Gold?
SBI Card - Tata Card SELECT 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 SBI Card - Tata Card SELECT and Kotak Mahindra Bank Feast Gold?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while Kotak Mahindra Bank Feast Gold has an annual fee of ₹499.
Which card has better rewards: SBI Card - Tata Card SELECT or Kotak Mahindra Bank Feast Gold?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. 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 SBI Card - Tata Card SELECT and Kotak Mahindra Bank Feast Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and Kotak Mahindra Bank Feast Gold can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Card SELECT or Kotak Mahindra Bank Feast Gold?
For beginners, Kotak Mahindra Bank Feast Gold may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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