Kotak Privy League Signature vs Club Vistara SBI Card PRIME (2026)
Club Vistara SBI Card PRIME vs Kotak Privy League Signature: which wins?
₹67,600ranking value a year at ₹3L a month, to Club Vistara SBI Card PRIME
Skip the duel — the board, ranked → · nothing to sign up for
Kotak Privy League Signature marks foreign spend up 2.0% against Club Vistara SBI Card PRIME's 3.5% — 1.5pp on every rupee you spend abroad, before either card earns a point on it.
Club Vistara SBI Card PRIME out-earns Kotak Privy League Signature at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| Kotak Privy League Signature | Metric | Club Vistara SBI Card PRIME |
|---|---|---|
| closed | Our rank | closed |
| ₹2,500/yr — wins this row | Fee — joining · annual (+ GST) | ₹0/yr · ₹2,999 joining (one-time) |
| ₹5,00,000 spend | Fee waiver | None |
| 2% (paid variant); 3.5% (free variant) — wins this row | Forex markup | 3.5% + GST — SBI's markup table names ELITE and AURUM as the only 1.99% exceptions, so this card sits at the standard rate; dynamic and static DCC also 3.5% |
| 3.5%/mo (42%/yr) | APR | not published |
| 0.5% | Headline earn rate | 1.6% — wins this row |
| Kotak Reward Points | Currency | Air India Maharaja Points |
| ₹0.25/pt † | House value | ₹0.80/pt † |
| None — no joining bonus (free for Privy League / Black relationships) | Welcome benefit | — |
| 728 of 793 | Lounge doors opened | 728 of 793 |
† Kotak Privy League Signature: Kotak reward points redeem at a flat ₹0.25 on the catalogue — products, vouchers, recharges, flight/hotel tickets — with no published airline or hotel transfer partners. So the 2 RP/₹100 base is a 0.5% return; the 5X plan lifts one category to ~1.25%, and that's the ceiling. Take the cash instead and you get less: Kotak's Revised Cardholder Agreement cut this card's statement-credit rate from ₹0.25 to ₹0.20 a point on 1 June 2025, minimum 2,000 points.
† Club Vistara SBI Card PRIME: Priced at the ₹0.80 Air India Maharaja house value, because that is the programme the points now live in. SBI's card copy has never been updated from "CV Points", so a holder reading the product page and a holder reading their Maharaja Club balance are looking at the same points under two names.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Kotak Privy League Signature and Club Vistara SBI Card PRIME are both closed to new applications, and only grandfathered holders still have it. How people actually get each one is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Club Vistara SBI Card PRIME out-earns Kotak Privy League Signature at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Club Vistara SBI Card PRIME leads at all 20 steps, but not by the same amount: ₹3,712 at ₹0.25L a month, ₹61,750 at ₹5L — the gap fans out with spend, widest at ₹5L (₹61,750).
Kotak Privy League Signature runs a 1.3% booster on Chosen 5X plan (Shoppers or Travellers), where Club Vistara SBI Card PRIME earns one flat rate; Club Vistara SBI Card PRIME charges ₹2,999 once at issuance and nothing to renew.
Kotak Privy League Signature draws above the line, Club Vistara SBI Card PRIME below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Kotak Privy League Signature | Club Vistara SBI Card PRIME | In front |
|---|---|---|---|
| ₹0.25L | ₹1,088 | ₹4,800 | Club Vistara SBI Card PRIME by ₹3,712 |
| ₹0.5L | ₹5,425 | ₹9,600 | Club Vistara SBI Card PRIME by ₹4,175 |
| ₹0.75L | ₹13,013 | ₹24,400 | Club Vistara SBI Card PRIME by ₹11,387 |
| ₹1L | ₹14,850 | ₹29,200 | Club Vistara SBI Card PRIME by ₹14,350 |
| ₹1.25L | ₹16,688 | ₹34,000 | Club Vistara SBI Card PRIME by ₹17,312 |
| ₹1.5L | ₹18,525 | ₹38,800 | Club Vistara SBI Card PRIME by ₹20,275 |
| ₹1.75L | ₹20,363 | ₹43,600 | Club Vistara SBI Card PRIME by ₹23,237 |
| ₹2L | ₹22,200 | ₹48,400 | Club Vistara SBI Card PRIME by ₹26,200 |
| ₹2.25L | ₹24,038 | ₹53,200 | Club Vistara SBI Card PRIME by ₹29,162 |
| ₹2.5L | ₹25,875 | ₹58,000 | Club Vistara SBI Card PRIME by ₹32,125 |
| ₹2.75L | ₹27,713 | ₹62,800 | Club Vistara SBI Card PRIME by ₹35,087 |
| ₹3L | ₹29,550 | ₹67,600 | Club Vistara SBI Card PRIME by ₹38,050 |
| ₹3.25L | ₹31,388 | ₹72,400 | Club Vistara SBI Card PRIME by ₹41,012 |
| ₹3.5L | ₹33,225 | ₹77,200 | Club Vistara SBI Card PRIME by ₹43,975 |
| ₹3.75L | ₹35,063 | ₹82,000 | Club Vistara SBI Card PRIME by ₹46,937 |
| ₹4L | ₹36,900 | ₹86,800 | Club Vistara SBI Card PRIME by ₹49,900 |
| ₹4.25L | ₹38,738 | ₹91,600 | Club Vistara SBI Card PRIME by ₹52,862 |
| ₹4.5L | ₹40,575 | ₹96,400 | Club Vistara SBI Card PRIME by ₹55,825 |
| ₹4.75L | ₹42,413 | ₹1,01,200 | Club Vistara SBI Card PRIME by ₹58,787 |
| ₹5L | ₹44,250 | ₹1,06,000 | Club Vistara SBI Card PRIME by ₹61,750 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Kotak Privy League Signature · 5 more →
- Lounge access is spend-gated since 1-Jun-2025 — you need ₹75,000 through the card in a calendar quarter to get the complimentary visits the NEXT quarter
- Reward points redeem at just ₹0.25 — a 0.5% base, and no published airline/hotel transfers
- Cash-out was cut to ₹0.20 a point on 1-Jun-2025 (min 2,000 points) — redeem on the catalogue, never as statement credit
Club Vistara SBI Card PRIME · 4 more →
- Closed to new applications — SBI's own product record sets this card unavailable online and the page carries no Apply Now button; existing holders keep it
- The four Premium Economy ticket vouchers are discontinued for every card renewing after 31 March 2025 — that is almost certainly you
- Your CV Points are Air India Maharaja Points now: Club Vistara folded into Maharaja Club on 12 November 2024 and SBI's card copy was never rewritten
The call
For the ₹1L/month spender, Club Vistara SBI Card PRIME nets ₹29,200 against ₹14,850 — a ₹14,350 gap. At ₹5L/month, Club Vistara SBI Card PRIME nets ₹1,06,000 against ₹44,250 — a ₹61,750 gap. Lounge chasers get no tiebreak here: both open 728 of 793 tracked doors.
Our standing verdicts: Kotak Privy League Signature — Downgrade; Club Vistara SBI Card PRIME — Keep. Club Vistara SBI Card PRIME takes 4 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Kotak Privy League Signature or Club Vistara SBI Card PRIME?
Club Vistara SBI Card PRIME. Club Vistara SBI Card PRIME takes 4 of the 6 rounds we can score. Club Vistara SBI Card PRIME out-earns Kotak Privy League Signature at every spend level we model, from ₹25k to ₹5L a month.
Kotak Privy League Signature or Club Vistara SBI Card PRIME — which earns more at ₹3L a month?
At ₹3L a month, Club Vistara SBI Card PRIME nets ₹67,600 against ₹29,550 — a ₹38,050 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Kotak Privy League Signature or Club Vistara SBI Card PRIME?
Kotak Privy League Signature — ₹2,500/yr against ₹0/yr · ₹2,999 joining (one-time). Kotak Privy League Signature waives its fee at ₹5,00,000 of spend; Club Vistara SBI Card PRIME at no spend level — there is no waiver.
Which gets you into more airport lounges, Kotak Privy League Signature or Club Vistara SBI Card PRIME?
Lounge chasers get no tiebreak here: both open 728 of 793 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Kotak Privy League Signature on 2026-08-23, Club Vistara SBI Card PRIME on 2026-08-22. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Kotak Mahindra Bank and SBI Card's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 14 of them, each with the day we read it
- official Fees & charges page — joining Nil, annual "Nil (₹2,500 for Paid Variant)", waived on ₹5,00,000 annual retail spends or a Black/Platinum banking relationship
- official Kotak change notice, effective 1 June 2025 — lounge access now requires ₹75,000 spend in a calendar quarter to unlock the next quarter's visits
- official Milestone Program page — paid card: ₹3,00,000 → 7,000 bonus RP, ₹8,00,000 → 30,000 bonus RP, explicitly non-stacking ("eligible basis only one of the Milestones")
- official Revised Cardholder Agreement & Schedule of Charges (updated 31 July 2026) — foreign-currency markup "2% for Privy League Signature (Fee paying variant)" with 3.50% the default elsewhere
- community CardInsider review — paid-variant quarterly 6,400 RP/qtr + annual 7,000@₹3L / 30,000@₹8L milestones
- official Value chart — 25,600 bonus RP/yr (paid) = 6,400/qtr; ₹7,500/yr milestone (= 30,000 RP)
- community CardExpert — 6,400 RP/qtr for ₹1,000 each month (paid only); single (non-stacking) annual milestone; no monthly cap documented on base or 5X earn
- official SBI Card product page — ₹2,999 + taxes annual fee, renewal nil, 4 points per ₹200 on all retail including fuel, 8 domestic lounge visits, 4 Priority Pass visits outside India
- official SBI's own product record behind that page — the card is flagged as not available online, which is the issuer's own evidence that it is withdrawn from sale
- official Club Vistara SBI Card PRIME terms booklet — the renewal Premium Economy voucher is discontinued where the renewal fee falls after 31 March 2025, and the ₹2,999 is waived
- official Air India Maharaja Club partner directory — the SBI–Air India co-brand is the only co-brand listed; no Club Vistara SBI entry exists
- community SBI Card's domestic lounge rules from 10 January 2026 — tiered lounge lists plus a ₹2 authorization charge and a ₹25 validation hold on every visit
- official SBI Airport Lounge Access — "Club Vistara SBI Card PRIME" is named in SET B, the 30-room roster w.e.f. 10 Jan 2026
- official SBI's MITC fee table still prints "Club Vistara SBI Card PRIME / 2,999 / 2,999" — the generic row the card-specific booklet overrides, which is why this card renews at nothing