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| Feature | SBI Card PhonePe SBI Card SELECT BLACK | American Express American Express Platinum Travel Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | American Express |
| Network | Visa | Amex |
| Annual fee | ₹1,499 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 0.6% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹50,000/month |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Heavy PhonePe users who also want lounge access and a mid-tier fee. | Households with predictable annual spend who value Membership Rewards and Taj stays. |
| Main trade-off | PhonePe, online and other-spend rewards have separate monthly caps. From 1 July 2026, UPI transactions outside PhonePe earn no reward points, and Priority Pass visits are chargeable. | New applications are temporarily paused. Reward Multiplier ends on 30 September 2026; GainFair does not count it as an ongoing earn route. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
