Kotak Mojo RuPay Platinum Credit Card vs SBI Card Prime Visa Signature Credit Card: Which is Better in 2026?
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In short: Kotak Mojo has the lower annual fee (₹1,000 vs ₹2,999); both include 8 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | Kotak Mojo | SBI Prime |
|---|---|---|
| Annual fee | ₹1,000 | ₹2,999 |
| Joining fee | ₹1,000 | Not listed |
| Annual fee waived | On ₹1 lakh annual spend | On ₹3 lakh annual spend |
| Lounge access | 8 airport lounge visits a year | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
Kotak Mojo Rupay Platinum Credit Card and Sbi Card Prime Visa Signature Credit Card cater to distinct user preferences with different fee structures, reward points, and lounge access benefits. Kotak Mojo Rupay offers a lower annual fee with a waiver option and focuses on Mojo Points rewards, especially for online spends. SBI Card Prime, with a higher fee, provides more reward points across categories, multiple milestone vouchers, and international lounge access.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Kotak Mojo Rupay Platinum Credit Card | Sbi Card Prime Visa Signature Credit Card |
|---|---|---|
| Bank | Kotak Mahindra Bank | SBI Cards |
| Network | Rupay | Visa |
| Joining fee | Joining Fee of Rs.1000 | — |
| Annual / renewal fee | Annual Fee of Rs.1000 | Annual Fee of Rs.2999 |
| Annual fee waiver | Second Year Fee Waived Upon Spending Rs.1 Lakhs | Spend Rs.3 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | Earn 1 Mojo Points on every Rs.100 | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | Enjoy 8 Complimentary Airport Lounge Access Per Year | 8 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | Enjoy 4 Complimentary International Lounge Visits |
| Welcome benefit | — | Welcome E-Gift Voucher Rs.3000 |
| Milestone benefit | Earn 2500 Mojo Points Every Quarter on Spending Rs.75000 | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
When it comes to rewards, the SBI Card Prime Visa Signature Credit Card offers a richer and more diverse points system. It provides 2 reward points per Rs. 100 spent, with accelerated 10 points on departmental stores, groceries, dining, and movies, plus a birthday bonus. In contrast, Kotak Mojo Rupay Platinum Credit Card earns Mojo Points at a slower rate, with 1 point per Rs. 100 generally and 2.5 points on online spends. SBI Card Prime also offers welcome and milestone vouchers enhancing overall value, making it more rewarding for varied spending patterns.
Which is better for travel?
For travel benefits, SBI Card Prime stands out with 8 complimentary domestic airport lounge accesses plus 4 international lounge visits annually. Kotak Mojo Rupay Platinum offers 8 domestic lounge accesses but no international lounge access. Both cards charge a 3.5% forex markup, so neither provides a forex fee advantage. If international travel lounge access is important, SBI Card Prime is better suited.
Which has lower effective cost?
Kotak Mojo Rupay Platinum Credit Card has a lower joining and renewal fee of Rs. 1000 each, with a waiver on renewal if spending Rs. 1 lakh in the second year. SBI Card Prime has a higher annual fee of Rs. 2999, waived only after Rs. 3 lakhs annual spend. For users with moderate spending, Kotak Mojo Rupay offers a more affordable effective cost, while SBI Card Prime targets higher spenders willing to pay more for enhanced benefits.
Milestone and Welcome Benefits
SBI Card Prime offers attractive milestone vouchers worth Rs. 7000 annually on Rs. 5 lakhs spend and quarterly vouchers, plus a Rs. 3000 welcome e-gift voucher. Kotak Mojo Rupay provides quarterly milestone Mojo Points on Rs. 75,000 spend but lacks welcome benefits. This makes SBI Card Prime more rewarding for high spenders seeking periodic rewards.
Reward Redemption Flexibility
Kotak Mojo Rupay allows Mojo Points redemption at Rs. 0.25 per point for products or Rs. 0.40 per point against statement balance with a minimum redemption threshold. SBI Card Prime's reward redemption details are not fully provided here and should be checked on the issuer site for comparison.
Who should pick Kotak Mojo Rupay Platinum Credit Card?
Consider Kotak Mojo Rupay Platinum Credit Card if you prefer a lower annual fee card with straightforward fee waiver conditions and want to earn rewards primarily on online spends. It is suitable for users who value domestic lounge access and want a simpler rewards structure without the need for milestone spending to unlock benefits.
Who should pick Sbi Card Prime Visa Signature Credit Card?
Consider Sbi Card Prime Visa Signature Credit Card if you seek a comprehensive rewards program with accelerated points in multiple categories, welcome and milestone vouchers, and international airport lounge access. This card is ideal for higher spenders who can justify the higher annual fee through enhanced travel and lifestyle benefits.
Frequently Asked Questions
Kotak Mojo Rupay Platinum has a Rs. 1000 annual fee waived in the second year upon spending Rs. 1 lakh. SBI Card Prime charges Rs. 2999 annually, waived if you spend Rs. 3 lakhs in the year.
SBI Card Prime provides 8 domestic and 4 international lounge visits per year, while Kotak Mojo Rupay offers 8 domestic lounge accesses only.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
SBI Card Prime offers a welcome e-gift voucher worth Rs. 3000. Kotak Mojo Rupay Platinum does not have any welcome benefits.
Kotak Mojo Rupay earns 1 Mojo Point per Rs. 100 spent generally and 2.5 points on online spends. SBI Card Prime earns 2 reward points per Rs. 100, with accelerated 10 points on groceries, dining, movies, and departmental stores.
Both cards offer a 1% fuel surcharge waiver on fuel transactions.