SBI ELITE vs SBI SimplySAVE vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | SBI ELITE | SBI SimplySAVE | Kotak Royale Signature |
|---|---|---|---|
| Bank | SBI | SBI | Kotak Mahindra |
| Annual Fee | ₹4,999 + GST | ₹499 + GST | ₹999 + GST |
| Joining Fee | ₹4,999 + GST | ₹499 + GST | ₹999 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 10X rewards on dining, grocery, movies & dept stores | 4 reward points per ₹150 on all spends |
| Best For | Premium Lifestyle | Everyday Spending | Travel & Entertainment |
| Card Type | Super Premium | Rewards | Premium |
| Rating | 4.6 | 4.2 | 4.3 |
SBI ELITE
Premium Lifestyle
- ✓ Complimentary Trident Privilege membership
- ✓ Unlimited domestic lounge visits
- ✓ Buy 1 Get 1 on BookMyShow
- ✓ Annual fee reversal on ₹10L spend
SBI SimplySAVE
Everyday Spending
- ✓ ₹500 annual fee waiver on ₹1L spend
- ✓ Fuel surcharge waiver
- ✓ 5X rewards on all other spends
- ✓ Contactless payments enabled
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, SBI ELITE currently ranks highest among your selected cards.