American Express SmartEarn™ Credit Card vs HDFC Diners Club Rewardz 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

• Book Air Tickets / Hotels across 150+ Airlines and choice of Hotels (Domestic & International) at www.hdfcbankdinersclub.com
• You can Redeem Reward points for booking Air Tickets / Hotels across 150+ Airlines and Choice of hotels (Domestic & International) at www.hdfcbankdinersclub.com ( 1 Reward Point = 0.30 AirMile )
• 10 X Reward Point on International spends for shopping at partnered brands
• Redeem Reward Point for AirMiles across InterMiles, or Singapore Airlines (KrisFlyer Miles). (1 Reward Point = 0.30 AirMile )
• Fuel Surcharge Waiver capped at Rs. 500 every billing cycle

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

• 3 Reward Points for every Rs.  150 spent; 3X Reward Points for spends at partner brands
• Get double the Reward Points for spends on groceries, dining and airline tickets
• 24x7 concierge service 

Cons

• No complimentary offers for movie tickets 
• No Cashback on spends 
• No Complimentary Airport Lounge access