SBI Club Vistara Credit Card vs American Express Gold Card: mid-range cards compared
SBI Club Vistara Credit Card costs ₹1,499 a year to keep; American Express Gold Card costs ₹4,500. On most spends, SBI Club Vistara Credit Card returns about 1.50% and American Express Gold Card about 0.80%. The income needed to apply is ₹2,40,000 a year for SBI Club Vistara Credit Card and ₹6,00,000 for American Express Gold Card.
| SBI Club Vistara Credit Card | American Express Gold Card | |
|---|---|---|
| Issuer | SBI Card | American Express |
| Network | Visa | American Express |
| Joining fee | ₹1,499 | ₹1,000 |
| Annual fee | ₹1,499 | ₹4,500 |
| Base return on spends | 1.50% | 0.80% |
| Domestic lounges | 4 a year | None |
| International lounges | Not stated | None |
| Minimum income | ₹2,40,000 a year | ₹6,00,000 a year |
| Best for | travel | online_shopping, dining |
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 Club Vistara Credit Card · American Express Gold Card · Find a card for your spending