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Kotak Zen Signature vs SBI Prime – Full comparison

Both cards verified with issuer

Kotak Zen Signature source SBI Prime source

Annual fee structure is a key difference

Key differences

Lowest fee Kotak Zen Signature ₹1,500

Spend context

At ₹50k/month spend:

  • SBI Prime: ~₹250/month at base rate
  • Kotak Zen Signature: Base earn not clearly specified

Approximate, based on base rates (before caps).

Kotak Zen Signature KOTAK SBI Prime SBI
Lounge Access
Domestic lounge visits
8/year vs 2/quarter
 8/year 2/quarter
International lounge visits
3/year vs 4/year
 3/year 4/year
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
₹1,500 vs ₹2,999
 ₹1,500 ₹2,999
Joining fee
₹1,500 vs ₹2,999
 ₹1,500 ₹2,999
Fee waiver spend
Only available for SBI Prime
 Not clearly specified ₹3,00,000
Rewards
Reward points (base spend)
8 pts/₹150 vs 2 pts/₹100
 8 pts/₹150 2 pts/₹100
Point cash value
Only available for SBI Prime
 Check issuer ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.