American Express SmartEarn™ Credit Card vs HDFC Diners Club Rewardz Credit Card

Joining Fees

₹495

₹1,000

Editor's Rating

3.4

4.8

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
  • 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

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

  • 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


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