Vyaya
Side-by-Side Comparison|Updated March 2026

Tata Star 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

Tata Star SBI Card

7.8/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Kotak Mahindra Bank

Kotak Mahindra Bank Feast Gold

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

Feature-by-Feature Comparison

FeatureTata Star SBI CardKotak Mahindra Bank Feast Gold
Annual Fee₹499₹499
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%1%
Reward CurrencyReward PointDining Points
NetworkVisaVisa
Editor Rating7.8/106/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Star SBI Card

  • 0% on Grocery
  • 0% on Dining
  • 0% on International

Kotak Mahindra Bank Feast Gold

  • 0% on Dining
  • 0% on Movies

Pros & Cons

Tata Star SBI Card

Pros

  • High 3.5% value back at all Star Bazaar and Star Market outlets.
  • Up to 5% value back at select Tata partner brands like Westside and Croma.
  • Excellent 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • Welcome gift voucher of ₹1,000 effectively covers the joining fee for two years.

Cons

  • No complimentary airport lounge access in this variant.
  • Rewards are most valuable only when redeemed within the Tata ecosystem.
  • Base reward rate of 1% is modest for non-partner retail spends.

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

Tata Star 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 Tata Star SBI Card if

High value back at Star Bazaar makes it one of the best entry-level cards for monthly grocery runs.

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: Tata Star SBI Card or Kotak Mahindra Bank Feast Gold?
Tata Star 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 Tata Star SBI Card and Kotak Mahindra Bank Feast Gold?
Tata Star SBI Card has an annual fee of ₹499, while Kotak Mahindra Bank Feast Gold has an annual fee of ₹499. Tata Star SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Star SBI Card or Kotak Mahindra Bank Feast Gold?
Tata Star SBI Card offers a base reward rate of 1% with accelerated rewards on Grocery 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 Tata Star SBI Card and Kotak Mahindra Bank Feast Gold?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Star SBI Card and Kotak Mahindra Bank Feast Gold can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Star SBI Card or Kotak Mahindra Bank Feast Gold?
For beginners, Tata Star SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

Tata Star SBI Card Full ReviewKotak Mahindra Bank Feast Gold Full ReviewAll SBI Card CardsAll Kotak Mahindra Bank CardsBrowse All Credit CardsCredit Card Guides & Tips