American Express Platinum Travel vs Yatra SBI
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
American Express Platinum Travel Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.2/10.
| Feature | American Express Platinum Travel | Yatra SBI |
|---|---|---|
| CardTrail Score | 7.9/10 | 7.2/10 |
| Annual Fee | ₹5,000 | ₹499 |
| Base Reward Rate | 1% | 0.25% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa |
When to Choose American Express Platinum Travel
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, lounge, rewards
When to Choose Yatra SBI
- You can meet the fee waiver condition: Spend ₹1L/year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: travel, rewards
Annual Fee Value Analysis
To break even on American Express Platinum Travel's ₹5,000 fee at 1% rewards, spend ₹41,667/month.
To break even on Yatra SBI's ₹499 fee at 0.25% rewards, spend ₹16,633/month.