Which card has a lower forex fee: Kotak Zen Signature Credit Card or SBI Card Prime?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Kotak Zen Signature Credit Card or SBI Card Prime?

Kotak Zen Signature Credit Card has a lower annual fee (₹1,500 vs ₹2,999).

Which card offers better lounge access?

Kotak Zen Signature Credit Card: 8/year domestic lounge. SBI Card Prime: 8/year domestic lounge (2 per quarter).

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

Kotak Mahindra Bank Zen Signature vs SBI Card Prime Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Kotak Mahindra Bank Zen Signature and the SBI Card Prime. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Zen Signature Kotak Mahindra Bank

Annual fee ₹1,500 Waivable at ₹1,50,000 spend
Forex markup 3.5%
Domestic lounge 8/year

Prime SBI Card

Annual fee ₹2,999 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

Reward earning explained

Per card

Zen Signature

8 pts / ₹150 on General spend

Prime

2 pts / ₹100 on General spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Kotak Mahindra Bank Zen Signature: ₹1,500 vs SBI Card Prime: ₹2,999), forex markup (3.5% vs 3.5%), or lounge access (8/year vs 8/year (2 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Zen Signature: Limited data Prime: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 8/year (2 per quarter).

Zen Signature: Limited data Prime: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

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

Illustrative only, using current base rates before caps.

Field	Zen Signature Kotak Mahindra Bank	Prime SBI Card
Lounge Access
Domestic lounge visits 8/year vs 8/year (2 per quarter)	8/year	8/year (2 per quarter)
International lounge visits Only available for SBI Prime	Not specified	1/year
Forex / International Use
Forex markup	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 ₹1,50,000 vs ₹3,00,000	₹1,50,000	₹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	Not specified	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.