American Express SmartEarn™ Credit Card vs American Express® Platinum Reserve

Joining Fees

₹495

₹10,000

Editor's Rating

3.4

3.7

Key Features

  • Get rewarded for your spends with 10X and 5X Membership Rewards® Points respectively at select merchant partners
  • Cashback of Rs. 500 on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership
  • Renewal Fee waiver on spends of Rs.40,000 and above in the previous year of Card-membership
  • Welcome Gift of 11,000 Bonus Membership Rewards Points
  • Complimentary Airport Lounge accesses such as American Express and other Domestic Lounges in India. Also, get a Complimentary Membership to Priority Pass, with the US$99 Annual Membership Fee waived off
  • Avail privileges at Taj Hotels Palaces Resorts Safaris; Preferred Hotel Group
  • Get special benefits at Max Healthcare and various other curated benefits for mind, body and soul
  • Complimentary access to leading Golf courses in India

Editor's Review

Pros

  • Convert spends into easy monthly instalments with the American Express EMI
  • Avail 5X Membership Rewards  by transacting on Amazon, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and many more and get 5X rewards for every Rs.50 spent
  • Avail 1 Membership Rewards Point for every Rs. 50 spent except on the spends for Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

Cons

  • No Golf/coaching sessions
  • No complimentary Airport Lounge access 
  • High-interest rates

Pros

  • Relax luxuriously in the American Express Platinum Lounge at Delhi Domestic Terminal
  • Avail movie or online shopping vouchers worth Rs.6,000 per year
  • Special privileges at Taj, SeleQtions and Vivanta Hotels; Preferred Hotels & Resorts
  • Redeem the Points for over 500 options that include travel, dining, accessories and more

Cons

  • Poor reward structure
  • Absence of bonus reward points on milestone spends
  • High-interest rates
  • High Annual Fee


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