Kotak Myntra Rupay Credit Card vs Shaurya Sbi Rupay Platinum Credit Card: Which is Better in 2026?
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The Kotak Myntra Rupay Credit Card and the Shaurya SBI Rupay Platinum Credit Card offer distinct benefits tailored for different user needs. While the Kotak card emphasizes cashback on specific platforms and a unique welcome benefit, the Shaurya card focuses on rewarding users with points across various spending categories.
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 Myntra Rupay Credit Card | Shaurya Sbi Rupay Platinum Credit Card |
|---|---|---|
| Bank | Kotak Mahindra Bank | SBI Cards |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee of Rs.500 | — |
| Annual / renewal fee | Annual Fee of Rs.500 | Annual Fees - Rs.250 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fees Waiver | Spend Rs.50000 For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 5X Reward Points on Departmental Stores and Grocery |
| Lounge — domestic | Enjoy 4 Complimentary Airport Lounge Access Per Year | — |
| Welcome benefit | Get Myntra Voucher Worth Rs.500 on Activation | Get 1000 Reward Points as Welcome Gift |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
In terms of rewards, the Shaurya SBI Rupay Platinum Credit Card stands out with its 5X reward points on a variety of categories including groceries, dining, and movies. In contrast, the Kotak Myntra Rupay Credit Card offers cashback primarily on specific platforms like Swiggy and Urban Company, making it less versatile for general spending. Users seeking to maximize rewards across a broader range of everyday purchases may find the Shaurya card more appealing.
Which is better for travel?
Both cards provide limited travel benefits, with the Kotak card offering 4 complimentary domestic lounge accesses per year, while the Shaurya card lacks any lounge access. Therefore, for users who value domestic lounge access, the Kotak card is the better choice, while those who do not prioritize this benefit may find both cards equally suitable.
Which has lower effective cost?
The Kotak Myntra Rupay Credit Card has a higher annual fee of Rs.500 compared to the Shaurya SBI Rupay Platinum Credit Card's annual fee of Rs.250. Additionally, the Kotak card requires a higher spending threshold for fee waivers, making the Shaurya card more cost-effective for users looking to minimize annual fees.
Who should pick Kotak Myntra Rupay Credit Card?
Consider Kotak Myntra Rupay Credit Card if you frequently shop on Myntra or utilize services like Swiggy, as it offers cashback on these platforms and a complimentary membership to Myntra Insider. This card may also appeal to beginners due to its straightforward cashback structure and the welcome voucher upon activation.
Who should pick Shaurya Sbi Rupay Platinum Credit Card?
Consider Shaurya SBI Rupay Platinum Credit Card if you want to earn rewards across a wide range of categories including groceries and dining. Its lower annual fee and the welcome reward points make it an attractive option for users looking to maximize their rewards without incurring high costs.
Frequently Asked Questions
The annual fee for the Kotak Myntra Rupay Credit Card is Rs.500.
You can waive the annual fee for the Shaurya SBI Rupay Platinum Credit Card by spending Rs.50,000.
No, the Kotak Myntra Rupay Credit Card does not offer international lounge access.
The Shaurya SBI Rupay Platinum Credit Card provides 1000 reward points as a welcome gift.