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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma 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 Croma Card SELECT

8.2/10
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 Croma Card SELECTKotak Mahindra Bank Feast Gold
Annual Fee₹2,999₹499
Joining Fee₹2,999Free
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%1%
Reward CurrencyEmpower PointDining Points
NetworkVisaVisa
Editor Rating8.2/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Croma Card SELECT

No accelerated rewards listed

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

Pros & Cons

SBI Card - Tata Croma Card SELECT

Pros

  • High 5% value back at select Tata outlets like Westside and Taj
  • Direct 2% value back on all Croma and cromaretail.com purchases
  • Welcome and Anniversary vouchers of ₹3,000 effectively cover the annual fee
  • Generous 3% reward rate on Dining, Groceries, and International spends

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh
  • Rewards are primarily optimized for the Tata ecosystem redemption
  • No complimentary international lounge access despite the premium fee

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 Croma 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 Croma Card SELECT if

Excellent value back across Croma, Westside, Taj, and other Tata brands.

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 Croma Card SELECT or Kotak Mahindra Bank Feast Gold?
SBI Card - Tata Croma 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 Croma Card SELECT and Kotak Mahindra Bank Feast Gold?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while Kotak Mahindra Bank Feast Gold has an annual fee of ₹499. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or Kotak Mahindra Bank Feast Gold?
SBI Card - Tata Croma 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 Croma 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 Croma 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 Croma 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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