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Debit card comparison

Kotak 811 Infinity Metal Debit Card vs SBI Platinum International Debit Card

Compare Kotak 811 Infinity Metal Debit Card and SBI Platinum International Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Debit card comparison

Kotak 811 Infinity Metal Debit Card vs SBI Platinum International Debit Card

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 11, 2026
Kotak Mahindra BankKotak 811 Infinity Metal Debit Card

Kotak 811 customers who already want the 811 Super relationship and can justify a premium debit card through lounge, limits and merchant benefits.

Cost / pricing
Current April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.
Reviewed
September 11, 2026
Evidence
4 bank sources
Open product research
State Bank of IndiaSBI Platinum International Debit Card

Eligible SBI account holders who want a higher-limit international debit card and can use SBI Rewardz and conditional lounge benefits.

Cost / pricing
The product page points to SBI's current debit-card charge schedule rather than embedding a stable annual-maintenance figure; verify the live charge table before issuance or renewal.
Reviewed
September 9, 2026
Evidence
2 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

Kotak 811 Infinity Metal Debit Card vs SBI Platinum International Debit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/kotak-811-infinity-metal-debit-card-vs-sbi-platinum-international-debit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

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Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Does your linked account qualify for this card?Start with the eligible customer or relationship and any balance, funding or tenure requirement.

Kotak 811 Infinity Metal Debit Card

Eligibility
Reviewed terms position the card for new-to-bank customers completing offline KYC, subject to Kotak's current issuance controls.
Linked account
The card itself has no separate balance rule, but its annual-fee waiver is linked to the 811 Super savings programme; 811 Super has zero AMB but a programme fee under the reviewed schedule.

SBI Platinum International Debit Card

Eligibility
Available to eligible SBI account holders under current debit-card issuance and account rules.
Linked account
Requires an eligible State Bank of India deposit account; balance rules are governed by the linked account rather than the card itself.
02What costs follow from the card and account?Read the full cost wording and scope rather than comparing isolated numbers.

Kotak 811 Infinity Metal Debit Card

Cost / charges
Current April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.

SBI Platinum International Debit Card

Cost / charges
The product page points to SBI's current debit-card charge schedule rather than embedding a stable annual-maintenance figure; verify the live charge table before issuance or renewal.
03Will the card limits support your intended use?Check limits and the ongoing relationship conditions before choosing.

Kotak 811 Infinity Metal Debit Card

Transaction limits
Current card terms publish ₹1.5 lakh ATM withdrawal and ₹4 lakh POS/e-commerce spend limits per day.
Account relationship
Current 811 Metal terms give the Super programme complimentary for 365 days; current fee treatment differs between Classic/Super and qualifying lump-sum-funding states.

SBI Platinum International Debit Card

Transaction limits
Reviewed SBI page lists ₹1 lakh maximum daily domestic ATM withdrawal and ₹2 lakh maximum daily domestic POS/online transactions; international limits vary by country and channel.
Account relationship
Linked State Bank of India account required; card benefits do not replace the balance/service conditions of that account.
Other maintained comparisons for Kotak 811 Infinity Metal Debit CardOther maintained comparisons for SBI Platinum International Debit Card
Exact terms

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Banking product terms side by side for Kotak 811 Infinity Metal Debit Card and SBI Platinum International Debit Card
Decision factorKotak 811 Infinity Metal Debit CardSBI Platinum International Debit Card
Cost / chargesCurrent April/July 2026 811 card-specific documents publish standard Infinity Metal issuance of ₹3,999 without qualifying lump-sum funding or ₹1,499 with ₹81,100 funding; annual/replacement pricing varies by Classic/Super relationship. Kotak's separate stable fees page still displays older ₹4,999 issuance / ₹1,999 annual / ₹4,999 replacement wording, so that live-source fee mismatch remains explicitly unresolved.The product page points to SBI's current debit-card charge schedule rather than embedding a stable annual-maintenance figure; verify the live charge table before issuance or renewal.
Linked accountThe card itself has no separate balance rule, but its annual-fee waiver is linked to the 811 Super savings programme; 811 Super has zero AMB but a programme fee under the reviewed schedule.Requires an eligible State Bank of India deposit account; balance rules are governed by the linked account rather than the card itself.
Core benefits4 complimentary domestic lounge visits per year capped at 1 per quarter, plus current dining/entertainment and card insurance benefits under the 811 Metal terms.SBI Rewardz earning, domestic airport lounge access on eligible Platinum variants subject to current terms, and domestic/international usage on RuPay, Mastercard or Visa variants as offered.
Transaction limitsCurrent card terms publish ₹1.5 lakh ATM withdrawal and ₹4 lakh POS/e-commerce spend limits per day.Reviewed SBI page lists ₹1 lakh maximum daily domestic ATM withdrawal and ₹2 lakh maximum daily domestic POS/online transactions; international limits vary by country and channel.
EligibilityReviewed terms position the card for new-to-bank customers completing offline KYC, subject to Kotak's current issuance controls.Available to eligible SBI account holders under current debit-card issuance and account rules.
Account relationshipCurrent 811 Metal terms give the Super programme complimentary for 365 days; current fee treatment differs between Classic/Super and qualifying lump-sum-funding states.Linked State Bank of India account required; card benefits do not replace the balance/service conditions of that account.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

Kotak Mahindra Bank

Kotak 811 Infinity Metal Debit Card

  • Current April/July 2026 811 documents supersede the older 2025 card terms for the researched headline and now state a 2% forex markup rather than a waiver.
  • A separate live Kotak fees page still shows older ₹4,999/₹1,999/₹4,999 card pricing, so the fee mismatch is preserved and should be confirmed before card request.
  • Four domestic lounge visits are capped at one per quarter; unused quarterly quota should not be treated as freely transferable.
State Bank of India

SBI Platinum International Debit Card

  • SBI's page labels one limits table as Gold International even on the Platinum page; the current issued-card controls should be confirmed before relying on a limit.
  • Lounge access is conditional and network/program rules can change.
  • Annual maintenance and replacement charges should be taken from SBI's latest debit-card charge schedule.
Research tools

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These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

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MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Kotak 811 Infinity Metal Debit Card

Reviewed September 11, 2026 · 4 attached first-party sources

  1. Terms & conditionshttps://images.kotak.bank.in/bank/mailers/2026/files/811_MetalDC_TnC_Apr_26.pdf
  2. Issuer documenthttps://images.kotak.bank.in/bank/mailers/2026/files/811_GSFC_Jul_26.pdf
  3. Fee / charge schedulehttps://www.kotak.bank.in/en/privy/fees-and-charges.html
  4. Issuer documenthttps://images.kotak.bank.in/bank/mailers/2025/files/Infinity_Metal%20Debit%20Card_T%26C_1stOct.pdf

SBI Platinum International Debit Card

Reviewed September 9, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://sbi.bank.in/web/personal-banking/cards/debit-card/sbi-platinum-international-debit-card?inheritRedirect=true
  2. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/kyc-guidelines/revised-service-charges