American Express SmartEarn™ Credit Card vs IndusInd Bank Platinum Aura 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

• Flexibility to choose from 4 reward plans to suit your lifestyle- Platinum Aura Shop Plan enables you save more by managing your spends, Platinum Aura Home Plan gives the flexibility to save while shopping for home, Platinum Aura Travel Plan is especially designed for frequent fliers, and Platinum Aura Party Plan enables you to enjoy life to the fullest by earning savings points that you can later redeem against dues on the Credit Card, or on airline miles
• 1% Fuel Surcharge Waiver
• Earn up to 8X Reward Points on selected merchant categories, for every Rs. 100 spent
• IndusInd Bank in association with The Oriental Insurance Company Ltd, bring you insurance coverage that includes lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection
• Enjoy the facility of Total Protect that covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud
• Complimentary personal air accident insurance cover of up to Rs. 25 lakh

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

• 1% Fuel Surcharge Waiver
• Earn up to 8X Reward Points on selected merchant categories, for every Rs. 100 spent
• Flexibility to choose from 4 reward plans to suit your lifestyle
  
  Cons
  
• No golf benefits
• No airport lounge access / dining/ movie benefits