Side-by-side · honest numbers
American Express Gold Card vs PhonePe SBI Card SELECT BLACK
Honest side-by-side comparison of American Express Gold Card, PhonePe SBI Card SELECT BLACK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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American Express Gold Card
American Express
PhonePe SBI Card SELECT BLACK
SBI Card
Your adjusted comparison
| Feature | American Express Gold Card 3782 732756 20844 Valid thru 12/28 Acc CREDIT Card holder AMERICAN EXPRESS GOLD Customer service American Express · 1800-XXX-XXXX Authorized signature CVV••• American Express Gold Card Top reward: 4X Membership Rewards/₹150 Annual fee: ₹4,500 Min income: ₹60,000/mo Property of American Express. If found, return to nearest branch. Not valid unless signed. Tap to flip back American Express Gold Card American Express | SBI Card PhonePe SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card SELECT BLACK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹1,499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,350/yr | ₹7,350/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo |
| Dining & delivery | ₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr) | — |
| Utilities & bills | — | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo |
| Top reward rate | 4X Membership Rewards/₹150 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | 4 domestic airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Insurance | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | ₹4,000 | ₹1,500 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/amex-gold-vs-phonepe-sbi-select-blackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads American Express Gold Card by about ₹11,700/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | American Express Gold Card American Express | PhonePe SBI Card SELECT BLACK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹1,499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹60,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,350/yr | ₹7,350/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo |
| Dining & delivery | ₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr) | — |
| Utilities & bills | — | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo |
| Top reward rate | 4X Membership Rewards/₹150 | 10% |
| Primary reward cap | No monthly cap published | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | 4 domestic airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Insurance | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | ₹4,000 | ₹1,500 |
Frequently asked questions
- Which card has the lower annual fee?
- PhonePe SBI Card SELECT BLACK has the lowest annual fee at ₹1,499.
- Which card earns more on moderate spend?
- PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- PhonePe SBI Card SELECT BLACK lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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