American Express SmartEarn™ Credit Card vs Bank of Maharashtra - SBI Platinum Credit Card
Joining Fees
₹495
₹2,999
Editor's Rating
3.4
2.3
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 Welcome Gift voucher worth Rs. 3,000 from any one of the brand partners
- Spend linked gift vouchers worth Rs. 6,000
- 5X Reward Points on Dining, Departmental store and International spends
- Card Anniversary gift voucher worth Rs. 3,000
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
- Avail spend rewards on annual spending of Rs. 4 lakhs and 5 lakhs, each
- Receive e- Gift Voucher worth Rs. 3,000 from any of the following brands: Yatra, Hush Puppies/Bata, Westside, Shoppers Stop
- 2 complimentary Domestic Airport Lounge visits every quarter in India
Cons
- Although you’ll get a complimentary membership to the Priority Pass Program worth $99, there’s a usage fee of $27 +taxes that will be charged to Bank of Maharashtra - SBI Platinum Credit Card every time you visit an airport lounge. Moreover, only the Primary Cardholders are eligible for Priority Pass and complimentary membership will be valid for 2 years only
