American Express SmartEarn™ Credit Card vs HDFC Bank Teachers Platinum Credit Card

• 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

• Avail a special gift of 500 reward points on Teacher's Day (5 Sept) every year
• On Weekends get 3x reward points on spends of Rs. 150. Earn as many as 2400 points in a year
• On Weekdays get 2 reward points for every Rs. 150
• Get 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
• Zero liability on lost card
• Get up to 3 lifetime free add-on cards
• With the EMV Chip technology in the card, stay protected against fraud

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

• Get special gift of 500 reward points on Teacher's Day (5 Sept) every year
• On Weekends get 3x reward points on spends of Rs. 150. Earn as many as 2400 points in a year
• On Weekdays get 2 reward points for every Rs. 150

Cons

• No golf benefits
• No cashback or dining benefits
• No airport lounge access