Amex Platinum Reserve vs SBI Card ELITE
Detailed comparison of these two popular credit cards
Amex Platinum Reserve
American Express
Super PremiumVS
Winner
SBI Card ELITE
SBI Card
PremiumAnnual Fee
₹10K vs ₹5K
Effective Rate
(cash value)
0.7% vs 0.5%
Lounge Access
4/year vs 2/quarter
Detailed Comparison
| Feature | Amex Platinum Reserve | SBI Card ELITE |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹5K | ₹5K |
| Annual Fee | ₹10K | ₹5K |
| Fee Waiver | None | Spend ₹10L annually |
| Forex Markup | 3.5% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 0.5% |
Lounge Access | ||
| Domestic Lounges | 4/year | 2/quarter |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹12.0L | ₹9.0L |
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,
SBI Card ELITE wins!
Score: 25vsScore: 33
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