American Express SmartEarn™ Credit Card vs RBL Bank Monthly Treats 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

* On crossing spends of Rs. 3,000 in a calendar year, monthly fee of Rs. 50 waived off and get 10% cashback, up to Rs. 100 per month, on grocery transactions for rest of the month
* Enjoy 2X Reward Points on online purchases
* Unlock 10% cashback on groceries, BookMyShow, Swiggy and Bill Payments every month
* Get 1 Reward Point for every Rs. 100 spent on all offline purchases except fuel
* Fuel surcharge waiver across all fuel stations. This is Valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 100 per month

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
* Monthly Spend Milestone Benefit
* Fuel surcharge waiver
* Monthly fee waived

Cons
* One can’t enjoy the cashback if it’s unable to spend Rs.3000 to Rs.5000 in a month
* Below average rewards rate
* No travel benefits such as airport lounge access or any flight discounts