American Express SmartEarn™ Credit Card vs Apollo SBI Card
Joining Fees
₹495
₹499
Editor's Rating
3.4
3.2
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
- Get complimentary Apollo Gold Tier Membership
- Get 3X Reward Points on every Rs. 100 spent on all Apollo services
- Get 10% Instant Discount at Select Apollo Services
- On every Rs. 100 spent on Dining, Movies & Entertainment, get 2X Reward Points
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
- Convert Reward Point into Health Credits
- Get 10% Instant Discount at Select Apollo Services
- Complimentary Apollo Gold Tier Membership
Cons
- The reward points earned can only be redeemed to avail services at Apollo Healthcare Centers and related stores
- The complimentary OneApollo Silver Tier Membership doesn’t add much value as it could be availed by simply enrolling for the program for a decent cost or even for free. If they had to give this benefit, they should have probably offered a Gold Tier Membership to the program, which otherwise requires the person to spend a high fee for it in a year
- No Golf/coaching sessions
