American Express SmartEarn™ Credit Card vs HDFC Bank Titanium Times 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

• Complimentary Annual Times Prime Membership- Enjoy offers and subscriptions on top brands such as Gaana Plus, Sonyliv, TOI+, Chaayos, Uber, and Myntra
• Avail offer on Movies/BookMyShow- Get 25% off via BookMyShow on Movie Tickets. The cardholder can purchase a maximum of 4 discounted tickets per card per month. Avail maximum discount of Rs. 350 per transaction, and also get a discount of Rs. 50 on Food and Beverage only once
• Extra discount of Rs. 1500- Get up to a maximum of 10% off on bills via PayEazy on Eazydiner. Avail 6 months complimentary membership
• Up to 20% off on online and offline – shopping, wellness, and hotel stays at selected partners. City wise offers based offers every single day
• Up to 5% Cashback on Utility Bills/Shopping
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4000
• You can convert your big spends into EMI after purchase
• Contactless payment enabled
• Avail 2 Reward Points for every Rs. 150 spent
• Weekday Dining Bonanza Reward Points
• Avail 5 Reward Points on every Rs. 150 spent on dining spends on weekdays

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

• Welcome Benefits
• Complimentary Annual Times Prime Membership
• Avail offer on Movies/BookMyShow- Get 25% off via BookMyShow on Movie Tickets, and Weekday Dining Bonanza Reward Point

Cons

• No golf benefits
• No airport lounge access