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SimplifyCards take: Top 7 picks for this query.
Optimized for premium and travel, featuring low 2% forex markup and unlimited airport lounge access.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for travel and air miles, featuring low 1.99% forex markup and complimentary lounge access.
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Spend level changes whether premium cards are worth the fee.
Optimized for travel and air miles, featuring complimentary lounge access.
Optimized for reliance and shopping, featuring complimentary lounge access.
| Feature | Kotak White Reserve Credit Card | IndiGo SBI Card ELITE | SBI Card MILES ELITE |
|---|---|---|---|
| Best for | premium, travel, lounge | indigo, flights, travel | travel, air miles, hotel points |
| Reward rates | 0% - Base reward rate | 2% - Base reward rate upto 7% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 12,500 | Rs 4,999 | Rs 4,999 |
| Fee waiver spend | Rs 10 lakhs | - | Rs 15 lakhs |
| Domestic lounge | Unlimited | 8 | 8 |
| International lounge | Unlimited | 6 | 6 |
| Forex markup | 2% | 1.99% | 1.99% |