Central SBI Select+ Credit Card vs Kotak Urbane Gold Credit Card

Joining Fees

₹750

₹199

Editor's Rating

4.3

4.2

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
  • Avail 3X Reward Points per Rs. 100 spent across all categories
  • Pay with Reward Points at selected merchant outlets
  • Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
  • If the Credit Card is stolen, get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre-reporting 

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 3X Reward Points against retail spends of Rs.100
  • Get 4 PVR tickets or 10,000 Reward Points on annual
  • This card is good for those who spend frequently on various categories like retail shopping, groceries, etc. 

Cons

  • No Golf Privileges 
  • No Concierge Services 
  • No Airport Lounge access 


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