Spar SBI Credit Card vs Kotak Urbane Gold Credit Card

Joining Fees

₹499

₹199

Editor's Rating

2.5

4.2

Key Features

  • Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
  • On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
  • On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
  • 1% fuel surcharge waiver 
  • 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                                                                                                                                                                                                                                                                                                                                                                                                   

  • Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees 
  • Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
  • Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores                       

Cons 

  • No Golf/coaching sessions
  • Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes 

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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