SBI ELITE vs Kotak Royale Signature vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI ELITE | Kotak Royale Signature | IDFC First WOW |
|---|---|---|---|
| Bank | SBI | Kotak Mahindra | IDFC First Bank |
| Card Type | Super Premium | Premium | Rewards |
| Annual Fee | ₹4,999 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹4,999 + GST | ₹999 + GST | Nil |
| Rewards | 2X reward points on dining, movies & grocery | 4 reward points per ₹150 on all spends | 10X reward points on every spend category |
| Best For | Premium Lifestyle | Travel & Entertainment | All-Round Rewards |
| 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 | ₹3,00,000 - ₹15,00,000 | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | 5000 bonus reward points | 500 reward points on activation | 500 reward points on first spend |
| Min Income | ₹60,000/month | ₹25,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | 8 domestic + 2 international per year | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.3 | 4.5 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
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
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.