SBI Club Vistara PRIME Credit Card vs American Express Platinum ReserveSM Credit Card: premium cards compared
SBI Club Vistara PRIME Credit Card costs ₹2,999 a year to keep; American Express Platinum ReserveSM Credit Card costs ₹10,000. On most spends, SBI Club Vistara PRIME Credit Card returns about 2.00% and American Express Platinum ReserveSM Credit Card about 0.50%. Lounge visits: SBI Club Vistara PRIME Credit Card gives 8 a year in India and 4 a year abroad; American Express Platinum ReserveSM Credit Card gives 12 a year and 2 a year. The income needed to apply is ₹3,60,000 a year for SBI Club Vistara PRIME Credit Card and ₹6,00,000 for American Express Platinum ReserveSM Credit Card.
| SBI Club Vistara PRIME Credit Card | American Express Platinum ReserveSM Credit Card | |
|---|---|---|
| Issuer | SBI Card | American Express |
| Network | Visa|Mastercard | American Express |
| Joining fee | ₹2,999 | ₹5,000 |
| Annual fee | ₹2,999 | ₹10,000 |
| Base return on spends | 2.00% | 0.50% |
| Domestic lounges | 8 a year | 12 a year |
| International lounges | 4 a year | 2 a year |
| Minimum income | ₹3,60,000 a year | ₹6,00,000 a year |
| Best for | travel, flights | dining, travel, 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 Club Vistara PRIME Credit Card · American Express Platinum ReserveSM Credit Card · Find a card for your spending
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