Central SBI Select+ Credit Card vs Kotak 811 Credit Card

Joining Fees

₹750

₹500

Editor's Rating

4.3

3

Key Features

  • Central SBI Select Card Advantage
  • Fast & Convenient
  • Security
  • Cash on the go
  • Easy Bill Pay facility at zero charge
  • Flexipay
  • Balance Transfer on EMI
  • Global acceptance
  • Emergency card replacement
  • Earn 2 reward points for every Rs. 100 spent online
  • Earn 1 reward points for every Rs. 100 spent offline
  • Milestone Spends Benefit: In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
  • Avail 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Do note that fuel transactions are not eligible to earn any Reward points
  • Railway Surcharge Waiver: Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
  • Add-on Card will have all the benefits that the cardholder enjoys on its Card
  • This card is embedded with EMV Chip that adds additional level of security. You can set 6-digit PIN for authentication for higher security of your transactions
  • Redeem reward points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, movies (BookMyShow Vouchers), travel and many more

Editor's Review

Pros                                                                    

  • Joining & Complimentary Benefits
  • Renewal & Milestone Select Points
  • Accelerated Select Points
  • Instant Redemption

Cons 

  • No Golf/coaching sessions
  • No Airport Lounge access 
  • High Renewal Fees

Pros

  • Earn 2 reward points for every Rs. 100 spent online, and 1 reward points for every Rs. 100 spent offline
  • In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
  • Railway Surcharge Waiver

Cons

  • No dinning benefits
  • No Golf Benefits
  • No Airport Lounge Access


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