Well, to be honest the fees for the AMEX is actually not that bad if you balance it against value for the 2-4-1 voucher and the insurance package. Or for the Elite card, 20k basic points, higher EuroBonus point earnings, insurance package and two 2-4-1 vouchers.
I happily pay my 350 kr/month for the Elite card just for the two 2-4-1 vouchers. And as a side note, the customer service at AMEX is just great. No wait times on the phone, always very helpful agents, not a single time they were not able to fix my issues.
While the SEB Master Card team.... well... as long as you just use the card and never have to talk to them fine. But if you got a problem make sure to bring some time and be prepared to train your frustration tolerance.