Compare Kotak Biz Credit Card vs SBI Miles Credit Card

Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
Avail 1 reward points for every Rs. 100 on all other spends
1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
Get 1% on transaction fuel surcharge will be waived for transactions made between Rs. 500 - Rs. 3000
One can also save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
Travel Insurance programme includes the following:

A. Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)- Sum Insured is Rs. 50,000

B. Purchase Protection - Sum Insured is Rs. 25,000

C. Loss of Checked in Baggage / Delay of Checked in Baggage / Valuable Documents Cover / Missing of Connecting International Flight During Transit - Sum Insured is Rs. 10,000

Safety features of the card includes being embedded with EMV Chip and setting a 6-digit PIN authentication for higher security of your transactions
Interest free period: Up to 48 days

As a Welcome Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
Get 2 Travel Credits for every Rs. 200 spent on travel
Get 1 Travel Credits for every Rs. 200 on all other spends
You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
Low Foreign Currency Mark-up Charge of 3.00% on International usage
1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

Pros

Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
Avail 1 reward points for every Rs. 100 on all other spends
1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports

Cons

No dinning or movie benefits
No Golf Benefits
No cashback benefits

Pros

Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons