SBI Apollo Credit Card vs American Express SmartEarn Credit Card: entry cards compared
SBI Apollo Credit Card costs ₹499 a year to keep; American Express SmartEarn Credit Card costs ₹495. On most spends, SBI Apollo Credit Card returns about 1.00% and American Express SmartEarn Credit Card about 0.50%. The income needed to apply is ₹2,40,000 a year for SBI Apollo Credit Card and ₹4,50,000 for American Express SmartEarn Credit Card.
| SBI Apollo Credit Card | American Express SmartEarn Credit Card | |
|---|---|---|
| Issuer | SBI Card | American Express |
| Network | RuPay | American Express |
| Joining fee | ₹499 | ₹495 |
| Annual fee | ₹499 | ₹495 |
| Base return on spends | 1.00% | 0.50% |
| Domestic lounges | Not stated | Not stated |
| International lounges | Not stated | Not stated |
| Minimum income | ₹2,40,000 a year | ₹4,50,000 a year |
| Best for | healthcare, dining, movies | dining, commute, online_shopping |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: SBI Apollo Credit Card · American Express SmartEarn Credit Card · Find a card for your spending