Comparing Kotak Myntra Credit Card vs Cashback SBI Credit Card: Which Is Best for You?

Choosing the right credit card can significantly impact your shopping experience and savings. In this blog post, we compare two popular options for avid shoppers in India: the Kotak Myntra Credit Card and the Cashback SBI Credit Card. Each card offers unique benefits tailored to different shopping habits. Let’s dive into a detailed comparison to help you decide which card might be the best fit for your wallet.

Kotak Myntra Credit Card vs Cashback SBI Credit Card

Kotak Myntra Credit Card: Features and Benefits


The Kotak Myntra Credit Card is designed for fashion enthusiasts who frequently shop on Myntra. It offers a blend of rewards, discounts, and exclusive access to sales events.

Key Benefits

  • Welcome Offer: Cardholders receive a substantial welcome voucher for Myntra on their first purchase, setting a positive tone for the shopping experience.
  • Cashback: Earn attractive cashback on Myntra purchases, with a lower percentage applicable to other categories.
  • Exclusive Access: Early access to major sales and exclusive deals on Myntra.

Additional Perks

  • Discounted Myntra Insider membership.
  • Fuel surcharge waiver at all fuel stations across India.
  • Culinary treats program offering discounts at partnered restaurants.

Cashback SBI Credit Card: Features and Benefits


The Cashback SBI Credit Card is versatile, offering cashback across a wide range of spending categories, making it suitable for general use beyond just shopping.

Key Benefits

  • Cashback Mechanism: Provides a straightforward cashback on all purchases, with no maximum limits, which includes accelerated cashback rates on online transactions.
  • Annual Fee Waiver: The annual fee is waived upon reaching a specified spending threshold within a year.
  • Flexibility: Cashback is credited directly to the statement, reducing the credit card bill automatically.

Additional Perks

  • Complimentary domestic lounge access.
  • Fuel surcharge waiver across all petrol pumps in India.
  • Easy bill pay services and balance transfer facilities.

Side-by-Side Comparison

Rewards and Cashback

  • Kotak Myntra Card focuses on Myntra shoppers, offering higher cashback rates on Myntra purchases but less impressive rewards on other spending.
  • SBI Cashback Card offers a universal cashback percentage on all spends, appealing to those who want simplicity and do not prioritize shopping at Myntra.

Fees and Charges

  • Both cards come with an annual fee, but the SBI Card offers an easy fee waiver condition that may appeal to high spenders.

Special Offers

  • Kotak Myntra Card users enjoy exclusive fashion-related benefits, making it ideal for regular Myntra customers.
  • SBI Card holders benefit from more generalized perks, which could be advantageous for users looking for flexibility across various categories.

Also Read: Unlocking the Top SBI Credit Card Best Benefits: A Comprehensive Guide


The decision between the Kotak Myntra Credit Card and the Cashback SBI Credit Card depends largely on your shopping habits and where you frequently shop. If Myntra is your go-to for fashion, the Kotak Myntra Credit Card will likely suit you best, providing significant rewards and benefits on your purchases. However, if you prefer a card that rewards you uniformly across all spending, the Cashback SBI Credit Card offers a versatile, easy-to-understand cashback scheme that can adapt to all types of expenditures.

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