Compare American Express SmartEarn™ Credit Card vs Kotak 811 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

Earn 2 reward points for every Rs. 100 spent online
Earn 1 reward points for every Rs. 100 spent offline
Milestone Spends Benefit: In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
Avail 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000. Do note that fuel transactions are not eligible to earn any Reward points
Railway Surcharge Waiver: Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
Add-on Card will have all the benefits that the cardholder enjoys on its Card
This card is embedded with EMV Chip that adds additional level of security. You can set 6-digit PIN for authentication for higher security of your transactions
Redeem reward points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, movies (BookMyShow Vouchers), travel and many more

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

Pros

Earn 2 reward points for every Rs. 100 spent online, and 1 reward points for every Rs. 100 spent offline
In a year, spend Rs. 75,000 and get 4 free PVR tickets OR cashback of Rs. 750
Railway Surcharge Waiver

Cons