American Express SmartEarn™ Credit Card vs RBL Bank MoneyTap 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

* You can transfer funds as low as Rs. 3000 or as high as your credit limit, to your registered bank account
* Convert the card spends, Rs. 3000 or higher, into EMIs straight from the MoneyTap app
* Know all the charges through the MoneyTap app. Keep a track on transaction history, upcoming payments or EMIs and due dates
* Get Reward Points for all domestic/international purchases and redeem them for the products you desire at www.rblrewards.com
* Earn 1 reward point for every Rs. 100 spent on all purchases at merchant outlet
* Earn 2 reward points for every Rs. 100 spent on all online purchases (credit-line/loan spends excluded)
* Reward points are not received on fuel spends
* Avail 10% instant discount on Grofers app using the coupon code “MONEYTAP” on 2 Grofers orders in a month (up to Rs. 300 across orders)
* Avail 20% cashback on all Zomato orders (up to Rs. 200 in a month)
* Get 1+1 free movie ticket every month, up to Rs. 200, at BookMyShow for movie shows on Saturday & Sunday
* Fuel surcharge waiver at all fuel stations. This is valid for fuel transactions between Rs. 500 and Rs. 4000. Maximum waiver is Rs. 100 per month
* The Membership Fee for the second year which is Rs. 499 will be waived off on spends of Rs. 1.5 lakh in the previous year
* Milestone Benefit: On crossing spends of Rs. 2.5 lakh in the year, receive Rs. 1000 Amazon voucher

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
* Avail 10% instant discount on Grofers app and 20% cashback on all Zomato orders
* 1+1 free movie ticket every month, up to Rs. 200, at BookMyShow for movie shows on Saturday & Sunday
* Fuel surcharge waiver at all fuel stations.

Cons
* No golf privileges
* No travel benefits such as airport lounge access or any flight discounts
* No airmiles