American Express SmartEarn™ Credit Card vs Central SBI Select+ Credit Card

Joining Fees

₹495

₹750

Editor's Rating

3.4

4.3

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
  • Central SBI Select Card Advantage
  • Fast & Convenient
  • Security
  • Cash on the go
  • Easy Bill Pay facility at zero charge
  • Flexipay
  • Balance Transfer on EMI
  • Global acceptance
  • Emergency card replacement

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                                                                    

  • Joining & Complimentary Benefits
  • Renewal & Milestone Select Points
  • Accelerated Select Points
  • Instant Redemption

Cons 

  • No Golf/coaching sessions
  • No Airport Lounge access 
  • High Renewal Fees


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