American Express SmartEarn™ Credit Card vs HDFC Bank Titanium Edge 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

• Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
• Avail 2 reward points for every Rs. 150 spends
• Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
• Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
• Earn 50% more reward points as exclusive dining privileges
• Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
• Zero liability on lost card
• With the EMV Chip technology in the card, stay protected against fraud
• Avail of 50 days of interest-free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

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 2 reward points for every Rs. 150 spends
• Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
• Earn 50% more reward points as exclusive dining privileges

Cons

• No golf benefits
• No insurance benefits
• No airport lounge access