Kotak Royale Signature vs SBI Cashback Card

Compare Kotak Royale Signature vs SBI Cashback Card across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Kotak Royale Signature leads on reward rate, while SBI Cashback Card has the lowest annual fee.

Card 1

Kotak Royale Signature

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.2

Card 2

SBI Cashback Card

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0

Kotak Royale Signature - KOTAK credit card

Balanced value5.2

kotak / MASTERCARD

Kotak Royale Signature

Annual

₹1,500

Return

3%

Lounges

6

Forex

3.5%

Card summary

Kotak Royale Signature leans travel and lifestyle with ₹1,500 annual fee, 3% headline return potential, and 6 lounge access.

Pros

Strong benefit ceiling if you recover the ₹1,500 annual fee.
3% reward rate can outperform flat cashback for loyal users.
6 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

SBI Cashback Card

Balanced value6.0

sbi / VISA

SBI Cashback Card

Annual

₹999

Return

5%

Lounges

0

Forex

3.5%

Card summary

SBI Cashback Card leans cashback-first with ₹999 annual fee, 5% headline return potential, and 0 lounge access.

Pros

Strong benefit ceiling if you recover the ₹999 annual fee.
5% cashback keeps value easy to understand.
Simple everyday positioning without premium travel complexity.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

Kotak Royale Signature

SBI Cashback Card

Fees

Annual fee

₹1,500

₹999

Joining fee

₹1,500

₹999

Rewards

Cashback rate

1%

5%

Reward rate

3%

1%

Travel

Forex markup

3.5%

3.5%

Domestic lounges

4

0

International lounges

2

0

Benefits

Fuel waiver

Yes

Yes

Dining

Yes

No

Movies

Yes

No

Eligibility

Minimum income

₹6,00,000

₹5,00,000

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