American Express SmartEarn™ Credit Card vs Axis Bank Kwik RuPay Credit Card
Joining Fees
₹495
₹0
Editor's Rating
3.4
4.5
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
- Credit Card on UPI
- Get 2 EDGE Reward Points on every Rs. 200 spent on domestic and international transactions
- Get 1% fuel surcharge waiver for fuel spends between Rs. 400 and Rs. 4000
- Zero joining and Annual Fees
- Instantly receive a virtual card on the Kiwi mobile app after getting approved
- Easily activate the credit card and set up UPI PIN to make UPI transactions
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
- 2 EDGE Reward Points on every Rs. 200 spent on domestic and international transactions
- Zero joining and Annual Fees
- Instantly receive a virtual card on the Kiwi mobile app after getting approved
Cons
- No movie benefits
- No golf benefits
- No international and domestic lounge access
