Head-to-head · 🇮🇳 India
Kotak White Reserve vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 3 of 10
IN
SBI Card
SBI Prime
Wins 6 of 10
Verdict
SBI Prime wins 6-3. Step up from SimplyClick with lounge access. Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | Kotak White Reserve | SBI Prime |
|---|---|---|
| Annual fee | · ₹3,000 | ₹2,999 |
| Joining fee | · ₹3,000 | ₹2,999 |
| Top reward rate | · 4% (dining) | 5% (shopping) |
| Base reward rate | 1.5% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹600,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,800,000 | ₹480,000 |
| Min credit score | · 780 | 750 |
| Editorial rating | 4.6/5 | · 4.2/5 |
Benefits compared
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›Kotak White Reserve vs SBI Prime: which is better?
SBI Prime wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Kotak White Reserve for its best categories, SBI Prime for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).