Amex Platinum Charge Card vs SBI Card ELITE
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
SBI Card ELITE
SBI Card
PremiumAnnual Fee
₹78K vs ₹5K
Effective Rate
(cash value)
0.9% vs 0.5%
Lounge Access
Unlimited vs 2/quarter
Detailed Comparison
| Feature | Amex Platinum Charge Card | SBI Card ELITE |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹5K |
| Annual Fee | ₹78K | ₹5K |
| Fee Waiver | None | Spend ₹10L annually |
| Forex Markup | 3.5% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 0.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹60.0L | ₹9.0L |
Amex Platinum Charge Card is Best For
Ultra luxury travelers with ₹77K to spare
Watch Out
- • No preset limit but still has shadow limit
- • Must pay full balance monthly
SBI Card ELITE is Best For
Movie lovers + travelers
Watch Out
- • Air insurance discontinued Jul 2025
- • Trident/Vistara membership removed
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 33
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