American Express SmartEarn™ Credit Card vs RBL Bank Shoprite 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

• As Welcome Benefit, avail 2,000 Reward Points. To avail this benefit, you’ve to swipe and use the credit card within 30 days of card issuance, and/or pay the annual membership fee by the payment due date
• Annual Fee waiver can be availed by making purchases worth Rs. 1.5 Lakhs or more in a membership year
• Obtain 20 reward points for every Rs. 100 spent on Grocery shopping- Avail maximum of 1,000 reward points per month
• Earn 1 Reward Point for every Rs. 100 spent on other purchases
• 5% Value back on grocery shopping is considered with each reward point redeemable for up to Rs. 0.25
• Avail 10% discount, up to Rs. 100, on movie tickets at BookMyShow. This is applicable 15 times in a year
• With Shoprite Credit Card get waiver of fuel surcharge at all fuel stations. This is valid for fuel transactions between Rs. 500 and Rs. 4000. Maximum waiver is Rs. 100 per month
• This Credit Card is available on MasterCard, Visa, and RuPay network

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
* Welcome benefits

* Annual Fee waiver can be availed by making purchases worth Rs. 1.5 Lakhs or more in a membership year 

* Obtain 20 reward points for every Rs. 100 spent on Grocery shopping- Avail maximum of 1,000 reward points per month

Cons
* No discounts on flights and hotels through air miles
* No travel benefits
* No golf privileges