American Express SmartEarn™ Credit Card vs ICICI Bank Instant Platinum Credit Card
Joining Fees
₹495
₹0
Editor's Rating
3.4
3.6
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
* No Joining Fee
* No Annual Fee
* Avail waiver of 2.5% fuel surcharge on fuel purchases at HPCL Petrol Pumps. This is applicable only for transaction up to Rs 4000
* Gain 2 ICICI reward points on every Rs. 100 spent. You can redeem these ICICI reward points for attractive products
* The card has built-in contactless technology
* Gain Reward points and redeem against multiple categories such as Fashion and Lifestyle, Electronics, Travel & Luggage, Health & Beauty, e-Vouchers and Home & Kitchen
* Avail 25% discount, up to Rs. 100, on purchase of minimum two tickets up to two times in a month through www.bookmyshow.com
* Earn interest on the Fixed Deposit and use the Instant Card to manage day to day liquidity – the Card has a low interest rate of just 2.49% per month
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
- Low-interest rate
- Earn interest on Fixed Deposit and use the Instant Card to manage day to day liquidity
- Avail 25% discount up to Rs. 100 on purchase of minimum two tickets up to two times in a month through www.bookmyshow.com
Cons
- No Golf/coaching sessions
- No Complimentary Airport Lounge access
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