Amex Platinum Charge Card vs SBI Card PRIME
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
SBI Card PRIME
SBI Card
Mid-RangeAnnual Fee
₹78K vs ₹3K
Effective Rate
(cash value)
0.9% vs 0.5%
Lounge Access
Unlimited vs 2/quarter
Detailed Comparison
| Feature | Amex Platinum Charge Card | SBI Card PRIME |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹3K |
| Annual Fee | ₹78K | ₹3K |
| Fee Waiver | None | Spend ₹3L annually |
| Forex Markup | 3.5% | - |
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 | ₹6.0L |
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 PRIME is Best For
Dining & grocery heavy spenders
Watch Out
- • Air insurance discontinued Jul 2025
- • Club ITC Silver added Sep 2025
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 32
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