Which card has the lower annual fee?

SBI Card MILES has the lowest annual fee at ₹1,499.

Which card earns more on moderate spend?

SBI Card MILES leads with an estimated ₹1,020/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card MILES lists a minimum monthly income of ₹35,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Amex Membership Rewards CC vs SBI Card MILES

Honest side-by-side comparison of Amex Membership Rewards CC, SBI Card MILES — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

Amex Membership Rewards CC

American Express

Card 2

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	Amex Membership Rewards CC American Express	SBI Card MILES 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	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,194/yr	₹1,020/yr
Travel	—	₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate	2 RP/₹150	Accelerated travel points
Primary reward cap	No monthly cap published	No monthly cap published
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)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	₹2,000

Stack mode (hold both)

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

Amex Membership Rewards CC details →SBI Card MILES details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card MILES leads Amex Membership Rewards CC by about ₹5,214/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

Amex Membership Rewards CC vs SBI Card MILES comparison table
Feature	Amex Membership Rewards CC American Express	SBI Card MILES 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	₹35,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹4,194/yr	₹1,020/yr
Travel	—	₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate	2 RP/₹150	Accelerated travel points
Primary reward cap	No monthly cap published	No monthly cap published
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)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Some small merchants	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	₹2,000

Frequently asked questions

Which card has the lower annual fee?: SBI Card MILES has the lowest annual fee at ₹1,499.
Which card earns more on moderate spend?: SBI Card MILES leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card MILES lists a minimum monthly income of ₹35,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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