Side-by-side · honest numbers
American Express SmartEarn Credit Card vs Kotak White Credit Card vs SBI Card PRIME
Honest side-by-side comparison of American Express SmartEarn Credit Card, Kotak White Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express SmartEarn Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹149/yr.
| Feature | American Express SmartEarn Credit Card American Express | Kotak White Credit Card Kotak Mahindra Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹3,000 | ₹2,999 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹4,00,000/yr spend | ₹5,00,000/yr |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹80/yr | ₹1,501/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10X Membership Rewards | 2X reward points | 4X reward points |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- American Express SmartEarn Credit Card has the lowest annual fee at ₹495.
- Which card earns more on moderate spend?
- American Express SmartEarn Credit Card leads with an estimated ₹1,650/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- American Express SmartEarn Credit Card 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.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express SmartEarn Credit Card
American Express
Kotak White Credit Card
Kotak Mahindra Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹3,000 | ₹2,999 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹4,00,000/yr spend | ₹5,00,000/yr |
| Min income | ₹25,000/mo | ₹50,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹80/yr | ₹1,501/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10X Membership Rewards | 2X reward points | 4X reward points |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge access — verify visit count on issuer site | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/amex-smartearn-vs-kotak-white-vs-sbi-primeMore American Express SmartEarn Credit Card comparisons
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