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Kotak Air+ Prime Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Kotak Air+ Prime Credit Card versus SBI Card MILES PRIME compared
FeatureKotak Air+ Prime Credit CardKotak Air+ Prime Credit CardKotak Mahindra Bank1 recent change →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards2% on most spends; 5% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping2%0.5%
Dining and food delivery2%0.5%
Groceries2%0.5%
Travel: flights, hotels, trains2%; 5% only at Kotak Unbox1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencyEarns nothing0.5%
Everything else2%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierMidPremium
Fees
Joining fee₹3,000 + GST₹2,999 + GST
Annual fee₹3,000 + GST₹2,999 + GST
Fee waived at₹4,00,000₹10,00,000
Eligibility
Min age18 years21 years
Max age-70 years
Employment typesameBOTHBOTH
Rewards
Reward typesameAir milesAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹4,500₹250
Lounge access
Domestic lounge visits48
International lounge visits24
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge condition4 domestic (2 per quarter) + 2 international complimentary airport lounge visits per year; international access runs on Priority Pass, and visits beyond the 2 cost US$35 each8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup2%2.5%
Interest and charges
Interest rate (monthly)3.5%3.75%
Interest rate (annual)42%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Kotak Air+ Prime Credit Card
Rewards a year
₹4,800
Fee a year
- ₹3,540
You keep
₹1,260
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, Kotak Air+ Prime Credit Card comes out ₹3,299 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Kotak Air+ Prime Credit Card
  • Regular domestic and international travellers
  • Kotak Unbox bookers
  • People who want miles on everyday spends
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

Kotak Air+ Prime Credit Card
  • Only 6 lounge visits a year
  • Extra international lounge visits cost US$35
  • Fee waiver needs Rs 4 lakh spend
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (Kotak Air+ Prime Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Kotak Air+ Prime Credit Card or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; Kotak Air+ Prime Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Kotak Air+ Prime Credit Card has the lowest forex markup. Kotak Air+ Prime Credit Card: 2%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Kotak Air+ Prime Credit Card 2%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Kotak Air+ Prime Credit Card: 4 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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