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Credit CardsComparisons

Amex Platinum Charge Card vs SBI Card PRIME

A head-to-head comparison of Amex Platinum Charge Card and SBI Card PRIME across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

Amex Platinum Charge Card

Luxury & Concierge Services

Annual Fee
₹66,000
Reward Rate
Membership Rewards
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PremiumCard B

SBI Card PRIME

Dining & Lounge Lovers

Annual Fee
₹2,999
Reward Rate
10 RP per ₹100 on dining & movies
Apply Now Read full review →

Feature comparison

FeatureAmex PlatinumSBI Card
Annual Fee₹66,000 (Plus GST)₹2,999 + GST (Waived on ₹3L annual spend)
Reward RateMembership Rewards10 RP per ₹100 on dining & movies
Best ForLuxury & Concierge ServicesDining & Lounge Lovers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumSBI Card
Groceries
Dining
Movies & entertainment
International travel
Airport lounge access

Quick verdict

Choose Amex Platinum Charge Card if:

  • You spend heavily on international travel
  • You spend heavily on concierge service

Choose SBI Card PRIME if:

  • Lower annual fee (₹2,999 vs ₹66,000)
  • You spend heavily on dining
  • You spend heavily on groceries
  • You spend heavily on movies & entertainment

Full pros & cons

Amex Platinum Charge Card

What's good
  • Unmatched global lifestyle and lounge benefits
  • Metal card — premium physical experience
  • Fine Hotels & Resorts access with daily breakfast and upgrades
Watch out for
  • Exorbitant ₹66,000 annual fee
  • Charge card — full monthly balance payment required, no revolving credit
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SBI Card PRIME

What's good
  • 10 RP per ₹100 on dining, groceries, departmental stores & movies (2.5% effective value at ₹0.25/point)
  • 8 domestic lounge visits/year (max 2/quarter) + 4 international via Priority Pass (max 2/quarter)
  • Welcome e-gift vouchers worth ₹3,000 (Shoppers Stop, Bata, Pantaloons, Yatra, etc.)
Watch out for
  • Base earn rate on non-accelerated categories is only 2 RP per ₹100 (0.5% value)
  • Fuel transactions are completely excluded from earning reward points
  • Quarterly milestone Pizza Hut voucher (₹1,000 on ₹50K spend) requires consistent high spending
Apply Now
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