SBI Prime Credit Card vs Amex Platinum Travel Credit Card
Last Updated : March 13, 2025, 12:35 p.m.
Sometimes, it becomes really difficult for an individual to make a choice between two popular credit cards from reputed brands. If we talk about the SBI Card and American Express Bank, then it is really difficult for an individual to make a one-sided choice. Similarly, it happens between the SBI Prime credit card and the Amex Platinum Travel Credit Card. Both of these cards are issued by known financial institutions. But once you know the differences, then it will be easy for you to make a choice. Therefore, we will compare the features, benefits, fees, and every aspect of these credit cards in this article titled, SBI Prime Credit Card Vs Amex Platinum Travel Credit Card. Also, before you apply for a card, it is important to check the credit score, since it is one of the essential factors that credit card issuers look into before approving your application. Do a CIBIL score check free online on Wishfin and also view your detailed credit report.
SBI Prime Credit Card and Amex Platinum Travel Credit Card - A Comparison of Features and Benefits
| Parameter | SBI Prime Credit Card | Amex Platinum Travel Credit Card |
|---|---|---|
Welcome benefits | Get a welcome e-gift voucher worth Rs. 3000 from the following brands:
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Milestone Benefits |
| 1) On spends of Rs. 1.90 lakhs in a year.
2) On spends of Rs. 4 lakhs in a year:
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Lounge access |
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Fuel surcharge waiver |
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Reward points |
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Comparison of SBI Prime Card and Amex Platinum Travel Credit Card Fees and Charges
| Fees | SBI Prime Credit Card | Amex Platinum Travel credit Card |
|---|---|---|
Joining fee | 2,999 plus taxes | 5000 plus applicable taxes |
Renewal fee | 2,999 plus taxes from the second year onwards | 5000 plus applicable taxes |
Renewal fee waiver | Get a renewal fee reversal on reaching annual spends of Rs. 3 lakhs | There is no waiving off criteria |
Finance charges | 3.5% per month | 3.35% per month |
Eligibility Criteria for both the Credit Cards
| Parameter | SBI Prime Credit Card | Amex Platinum Travel credit Card |
|---|---|---|
Minimum age of the applicant | 21 years | 18 years |
Maximum age of the applicant | 70 years | Not available |
Minimum salary | Prospective applicants must have a stable income | Rs. 6 lakhs and above per annum |
CIBIL score of the applicant | 750 and above | 750 and above |
Citizenship status of the applicant | Must be an Indian citizen | Must be an Indian citizen |
Which Card to Choose?
So, now after we have compared both the cards - SBI Prime Credit Card and Amex Platinum Travel Credit Card, it is time to choose a credit card. The credit card that you choose should be aligned with your lifestyle, spending patterns, etc. If you are someone who spends a significant amount on movies, dining, and groceries, then this card is a good pick and can enable you to maximize your savings in these categories. Not only this, if you travel frequently, then the complimentary lounge access feature will be really useful for you. Further, if you are a high spender, this card is ideal for you as you must spend Rs. 5 lakhs or more in a year to earn maximum milestone benefits and get an annual fee waiver. The Amex Platinum Travel credit card as the name suggests is a travel focused credit card. Hence, you must consider choosing this card if you desire to get travel benefits in the form of vouchers (Up to Rs. 7500), if you are a high spender and can collect a huge amount of reward points, if you are in the habit of redeeming reward points for travel benefits, and if you travel within India multiple times but make international trips rarely.
Conclusion
After exploring the difference between SBI Prime Credit Card vs Amex Platinum Travel Credit Card you can apply for only one credit card . Both of these cards have unique features and you can choose them as per your requirement. On the other hand, you must analyze your need for applying for a credit card and then choose the card depending upon your use.
Frequently Asked Questions (FAQs)
