Head-to-head · 🇮🇳 India
SBI Aurum vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 1 of 10
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 5 of 10
Verdict
Kotak White Reserve wins 5-1. Premium dining + travel without breaking the ₹3K-fee tier. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI Aurum | Kotak White Reserve |
|---|---|---|
| Annual fee | · ₹9,999 | ₹3,000 |
| Joining fee | · ₹9,999 | ₹3,000 |
| Top reward rate | = 4% (general) | = 4% (dining) |
| Base reward rate | 4% | · 1.5% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | · ₹1,500,000 / yr | ₹600,000 / yr |
| Min income | · ₹3,500,000 | ₹1,800,000 |
| Min credit score | · 800 | 780 |
| Editorial rating | = 4.6/5 | = 4.6/5 |
Benefits compared
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
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
FAQ
›SBI Aurum vs Kotak White Reserve: which is better?
Kotak White Reserve wins on more dimensions (5 vs 1). 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 SBI Aurum for its best categories, Kotak White Reserve for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI Aurum: 10,000 reward points + ₹10,000 brand voucher. Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.