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Kotak Air+ Prime vs SBI Flipkart Credit Card 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 Flipkart Credit Card compared
FeatureKotak Air+ Prime Credit CardKotak Air+ Prime Credit CardKotak Mahindra Bank1 recent change →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards2% on most spends; 5% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping2%1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food delivery2%1%
Groceries2%1%
Travel: flights, hotels, trains2%; 5% only at Kotak Unbox1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencyEarns nothing1%
Everything else2%1%
Card identity
Card typeTravelShopping
NetworkVisaMastercard
Card tiersameMidMid
Fees
Joining fee₹3,000 + GST₹500 + GST
Annual fee₹3,000 + GST₹500 + GST
Fee waived at₹4,00,000₹3,50,000
Eligibility
Min age18 years-
Employment typesameBOTHBOTH
Rewards
Reward typeAir milesCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹4,500-
Lounge access
Domestic lounge visits4-
International lounge visits2-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
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 each-
Forex and international
Forex markup2%3.5%
Interest and charges
Interest rate (monthly)3.5%-
Interest rate (annual)42%-
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 / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) 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 Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, SBI Flipkart Credit Card comes out ₹550 a year ahead of Kotak Air+ Prime Credit Card. 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 Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

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 Flipkart Credit Card
  • Each boosted category has a monthly cap
  • Only 1% outside partner brands
  • High ₹3,50,000 waiver target
  • No lounge access

Card data sourced via CardAdvisor.in (Kotak Air+ Prime Credit Card, SBI Flipkart Credit Card), 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 Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; 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 Flipkart Credit Card: 3.5%. 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 Flipkart Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

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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