Amex Platinum Reserve vs SBI Card PRIME
Detailed comparison of these two popular credit cards
Amex Platinum Reserve
American Express
Super PremiumVS
Winner
SBI Card PRIME
SBI Card
Mid-RangeAnnual Fee
₹10K vs ₹3K
Effective Rate
(cash value)
0.7% vs 0.5%
Lounge Access
4/year vs 2/quarter
Detailed Comparison
| Feature | Amex Platinum Reserve | SBI Card PRIME |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹5K | ₹3K |
| Annual Fee | ₹10K | ₹3K |
| Fee Waiver | None | Spend ₹3L annually |
| Forex Markup | 3.5% | - |
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 | ₹6.0L |
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,
SBI Card PRIME wins!
Score: 25vsScore: 32
Related Comparisons
Amex Platinum Reserve vs HDFC Infinia Metal
HDFC Bank
Amex Platinum Reserve vs HDFC Diners Club Black
HDFC Bank
Amex Platinum Reserve vs HDFC Millennia
HDFC Bank
Amex Platinum Reserve vs HDFC Swiggy Credit Card
HDFC Bank
Amex Platinum Reserve vs HDFC IndianOil Credit Card
HDFC Bank
Amex Platinum Reserve vs ICICI Emeralde Private Metal
ICICI Bank