SBI CashBack Card vs Kotak Royale Signature vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | SBI CashBack Card | Kotak Royale Signature | SC Ultimate |
|---|---|---|---|
| Bank | SBI | Kotak Mahindra | Standard Chartered |
| Card Type | Premium Cashback | Premium | Super Premium |
| Annual Fee | ₹999 + GST | ₹999 + GST | ₹5,000 + GST |
| Joining Fee | ₹999 + GST | ₹999 + GST | ₹5,000 + GST |
| Rewards | 5% Cashback on ALL online spends | 4 reward points per ₹150 on all spends | 3.33% rewards value on all spends |
| Best For | Pure Cashback | Travel & Entertainment | Luxury Travel |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹1,00,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 500 reward points on activation | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹30,000/month | ₹25,000/month | ₹1,00,000/month |
| Lounge Access | None | 8 domestic + 2 international per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver (cap ₹100/month) | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | ₹499 + GST | Free | Free |
| Rating | 4.5 | 4.3 | 4.7 |
| Contactless | |||
| EMI Conversion |
Key Features
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.