American Express Membership Rewards Credit Card vs BOB Financial Select
American Express Membership Rewards Credit Card
American Express · Amex
₹1,000 / Joining Fees
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VS
Fees
American Express
Bank of Baroda
Joining Fees
₹1,000
₹750
Renewal Fees
₹4,500
₹750
Network
Amex
Mastercard
Editor's Review
4.1
4.3
Free Lounge Access
No
No
Features
American Express Membership Rewards Credit Card
- Annual Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
- Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
- Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
- Redeem Points from the fabulous 18 and 24 Karat Gold Collection
- Exciting Discounts of up to 20% every time you dine at select restaurants
BOB Financial Select
- 5X rewards on Dining, Utility bills, Online spends; 1x on others
- 1,000 bonus rewards points every month
- Zero Fuel Surcharge
- Zero Annual Fees basis card usage
Editor's Review
American Express Membership Rewards Credit Card
Pros
- Use your American Express Credit Card for your next big purchase & pay in EMI
- Fuel Convenience Fee Waiver
- One of the highest point to INR conversion rates in the market
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge access
- High Renewal Fee
BOB Financial Select
Pros
- Easy EMI Option
- Multiple redemption options
- In-built insurance cover
Cons
- No Golf Privileges
- No Airport Lounge access
