SBI Cashback Credit Card vs Kotak Cashback Plus Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
SBI Cashback Credit Card wins 3 out of 4 comparison categories.
Kotak Bank
Kotak Cashback Plus Credit Card💰 Earn ₹1,540 cashback via EarnKaro
Side-by-Side Comparison
SBI Cashback Credit Card
What we love
- 5% flat online cashback
- No merchant restrictions
- Auto-credit
Keep in mind
- No lounge
- 1% offline rate
Kotak Cashback Plus Credit Card
What we love
- Simple unlimited cashback
- Wide acceptance
- No caps
Keep in mind
- Annual fee
Frequently Asked Questions
Which is better: SBI Cashback Credit Card or Kotak Cashback Plus Credit Card?
Based on our analysis, SBI Cashback Credit Card is the better choice with advantages in 3 out of 4 comparison categories including fees and rewards. However, Kotak Cashback Plus Credit Card may be better if your spending aligns with its specific benefits like simple spenders.
What is the annual fee difference?
SBI Cashback Credit Card has an annual fee of ₹999 (Waived on 2L spend), while Kotak Cashback Plus Credit Card costs ₹499 (Waived on 2L spend) per year.
Can I apply for both cards?
Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.