American Express Gold Charge Card vs Reliance SBI PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Reliance SBI PRIME Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.4/10.
| Feature | American Express Gold Charge Card | Reliance SBI PRIME |
|---|---|---|
| CardTrail Score | 7.4/10 | 8.4/10 |
| Annual Fee | ₹4,500 | ₹2,999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 2.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa |
When to Choose American Express Gold Charge Card
- You want higher rewards — up to 5% vs 2.5%
- Your primary spend is: dining, rewards
When to Choose Reliance SBI PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, cashback, rewards
Annual Fee Value Analysis
To break even on American Express Gold Charge Card's ₹4,500 fee at 1% rewards, spend ₹37,500/month.
To break even on Reliance SBI PRIME's ₹2,999 fee at 1% rewards, spend ₹24,992/month.