Myntra Kotak vs Titan SBI
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Titan SBI Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.8/10 vs 7.8/10.
| Feature | Myntra Kotak | Titan SBI |
|---|---|---|
| CardTrail Score | 7.8/10 | 8.8/10 |
| Annual Fee | ₹500 | ₹2,999 |
| Base Reward Rate | 1.25% | 1.5% |
| Max Reward Rate | 7.5% | 7.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 1 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Myntra Kotak
- You can meet the fee waiver condition: Spending Rs. 2 lakh in a year
- Your primary spend is: shopping, cashback
When to Choose Titan SBI
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, cashback
Annual Fee Value Analysis
To break even on Myntra Kotak's ₹500 fee at 1.25% rewards, spend ₹3,333/month.
To break even on Titan SBI's ₹2,999 fee at 1.5% rewards, spend ₹16,661/month.