Compare Cards India - Apply Right Credit Card For You

SBI Prime Credit Card Apply Now	American Express Platinum Charge Card Apply Now
Joining Fee Rs. 2,999 + GST	Joining Fee Rs. 60,000 + GST
Rewards and Benefits
Welcome Benefits Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.	Welcome Benefits SeleQtions, Taj, and Vivanta Hotels Vouchers Worth Rs. 45,000. 10,000 Referral Bonus Membership Rewards Points
Rewards Rate 10 Reward Points for every spend of Rs. 100 on groceries, dining, movie and departmental store, 2 RPs for every Rs. 100 spent on all other retail.	Rewards Rate 1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.
Movie & Dining 5X Reward Points (10 Reward Points) on dining and movie spendsGet up to 25% discount on dining bills at partner restaurants (only with AmEx variant)	Movie & Dining Complimentary membership to EazyDiner and a discount of up to 50% at 1,800 premium restaurants across India.
Reward Redemption Redeem reward points on Sbicard.com for gift vouchers or for settling the card's statement balance.1 RP = Rs. 0.25	Reward Redemption Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx's Membership Rewards Redemption portal.
Travel Complimentary Trident Privilege Red Tier Membership, Complimentary Club Vistara Silver membership, & complimentary international and domestic airport lounge visits.	Travel Access to over 1,300 airport lounges across over 130 countries, 24x7 global Platinum Concierge Service, and travel-related insurance benefits, including a life cover of Rs. 5 crores.
Golf Complimentary 4 rounds of green fee and 1 complimentary golf lesson every month and also up to 50% off on golf games (With MasterCard Variant only)	Golf Complimentary access to premium domestic and international golf courses
Domestic Lounge 8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter)	Domestic Lounge Unlimited Free Airport Lounge Access
International Lounge 4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter)	International Lounge Access to over 1,200 Airport Lounges globally including American Express Lounges, Priority Pass Lounges and Delta Lounges.
Insurance Benefits Air accident cover (worth Rs. 50 lakhs), fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting about the loss of the card to the bank	Insurance Benefits Personal air accident coverage worth Rs. 5 crore, cover of Rs. 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.
Zero Liability Protection Fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting the loss of card to the bank	Zero Liability Protection Cardholders will not be considered liable for any fraudulent transaction if loss of card is reported within 72 hours. Maximum liability of up to Rs. 1,000 on reporting after 3 days.
Fees & Charges

Renewal Fee Rs. 2,999 + GST	Renewal Fee Rs. 60,000 + GST
Spend Based Waiver Renewal fee is waived off if a minimum of Rs. 3 lakhs were spent in the previous year	Spend Based Waiver N/A
Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the transaction amount
Interest Rates 3.5% per month (42% per annum)	Interest Rates 3.5% per month
Fuel Surcharge 1% fuel surcharge waiver applicable on every fuel transaction between Rs. 500 to Rs. 4,000 (maximum waiver of Rs. 250 in a month).	Fuel Surcharge Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.
Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500 (whichever is higher)	Cash Advance Charges 3.5% of the advanced amount subject to a minimum charge of Rs. 250.
Add-on Card Fee Nil	Add-on Card Fee Nil up to 2 add-on cards

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