American Express Platinum Reserve vs SBI Card PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI Card PRIME wins 4 of 8 dimensions with a CardTrail Score of 8.6/10 vs 7.9/10.
| Feature | American Express Platinum Reserve | SBI Card PRIME |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.6/10 |
| Annual Fee | ₹10,000 | ₹2,999 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 12 | 8 |
| International Lounges | 2 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa Signature |
When to Choose American Express Platinum Reserve
- Airport lounge access matters — 12 domestic visits
- Your primary spend is: travel, dining
When to Choose SBI Card PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: travel, dining, entertainment
Annual Fee Value Analysis
To break even on American Express Platinum Reserve's ₹10,000 fee at 1% rewards, spend ₹83,333/month.
To break even on SBI Card PRIME's ₹2,999 fee at 0.5% rewards, spend ₹49,983/month.