You are comparing
American Express SmartEarn™ Credit Card
American Express Membership Rewards® Credit Card
₹ 495
₹ 495
Waived off on spending Rs. 40,000 and above in the previous year of card membership
₹ 1,000
₹ 4,500
NA
-
Rs. 500 cashback as a welcome gift on spending Rs. 10,000 in the first 90 days of card membership
-
4,000 Membership Rewards Points on joining fee payment & on spending Rs. 15,000 within the first 90 days
-
10X Membership Rewards® Points on Zomato (capped at 500 points per month per card account)
-
10X Membership Rewards® Points on Flipkart, Myntra, Blinkit, Uber, Nykaa, Ajio, PVR, BookMyShow (capped at 500 points per month per card account)
-
5X Membership Rewards® Points on every Rs. 50 spent on Amazon and Paytm Wallet (capped at 250 points per month per card account for both the merchants combined)
-
1 Membership Rewards® Point for every Rs. 50 spent on other categories, except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale
-
1 Membership Rewards Point per Rs. 50 spent, except on fuel, insurance, utilities, cash transactions & EMIs at POS
-
Redeem the earned rewards for vouchers of top brands against the 18 Karat & 24 Karat Gold Collection
NA
NA
-
10X reward points on popular brands like Myntra, Amazon, Uber, etc.
-
Complimentary vouchers worth Rs. 1,500 as milestone benefits
-
Welcome benefits equivalent to the Rs. 500 joining fee
-
Renewal fee waiver on annual spends of Rs. 40,000
-
Welcome benefits equivalent to the Rs. 1,000 joining fee
-
Reward points redemption against multiple brand vouchers
-
Exclusive access to 18 & 24 Karat Gold Collection for reward redemption
-
Renewal fee waiver on annual spends of Rs. 1.5 Lakh
-
Bonus reward points on first year card renewal
-
Capping on accelerated reward points earning
-
No reward points on fuel, insurance & utility spends
-
Low base reward rate of 1 point per Rs. 50 spent
-
High forex markup fee of 3.5%
-
No reward benefits on fuel, insurance & utility spends
-
Low base reward rate of 1 point per Rs. 50 spent
People who frequently shop online and are looking for a low annual fee credit card with rewards benefits
People who want to earn rewards and prefer to redeem them against popular brands like Flipkart, Amazon, Myntra, etc.