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Side-by-side · honest numbers

American Express Gold Card vs SBI Card PRIME

Honest side-by-side comparison of American Express Gold Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

American Express Gold Card

American Express

SBI Card PRIME

SBI Card

Your adjusted comparison

Feature
American Express Gold Card credit card

American Express Gold Card

American Express

SBI Card PRIME credit card

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹4,500₹2,999
Fee waiver thresholdNo waiver published₹5,00,000/yr
Min income₹60,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,350/yr-₹2,339/yr
Dining & delivery₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr)—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate4X Membership Rewards/₹1505X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · InsuranceFuel · Rent · Wallet · EMI
Bonuses
Signup bonus₹4,000₹3,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

American Express Gold Card details →SBI Card PRIME details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card PRIME leads American Express Gold Card by about ₹2,011/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

American Express Gold Card vs SBI Card PRIME comparison table
FeatureAmerican Express Gold Card

American Express

SBI Card PRIME

SBI Card

Fees & eligibility
Annual fee₹4,500₹2,999
Fee waiver thresholdNo waiver published₹5,00,000/yr
Min income₹60,000/mo₹45,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹4,350/yr-₹2,339/yr
Dining & delivery₹3,500 → 93 pts/mo × ₹0.50/pt = ₹46.67/mo (₹560/yr)—
Travel—₹3,000 → 120 pts/mo × ₹0.25/pt = ₹30/mo (₹360/yr)
Top reward rate4X Membership Rewards/₹1505X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone8 domestic (2/quarter) + 4 international (1/quarter) airport lounge visits/year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · InsuranceFuel · Rent · Wallet · EMI
Bonuses
Signup bonus₹4,000₹3,000

Frequently asked questions

Which card has the lower annual fee?
SBI Card PRIME has the lowest annual fee at ₹2,999.
Which card earns more on moderate spend?
SBI Card PRIME leads with an estimated -₹2,339/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI Card PRIME lists a minimum monthly income of ₹45,000.
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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