American Express SmartEarn™ Credit Card vs RBL Platinum Delight Credit Card
Joining Fees
₹495
₹1,000
Editor's Rating
3.4
3.7
Key Features
- 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
- Reward on all purchases
- Monthly Bonus Reward Points
- Annual Spend Benefit
- Fuel Surcharge Waiver
- Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift
- Earn Two Reward Points for every Rs.100 spent on all your purchases
- Avail Four Reward Points for every Rs.100 spent during the weekends!
- A welcome benefit of 4000 Reward points will be credited on payment of Joining Fee and first swipe of the card. Reward points are not accrued on fuel spends.
- Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
- Drive wherever you desire and gain more with savings on fuel spends- Enjoy fuel surcharge waiver at any petrol pump in India. Valid for fuel transactions between Rs.500 and Rs.4000. Maximum waiver of Rs. 150 per month.
- Explore the wide range of exclusive benefits offered by Platinum Delight Credit Card that has an annual fee of Rs.1000.
- Next year fee will be waived on crossing spends of Rs.1.5 Lakh in the previous year.
NOTE: Enjoy 2X Rewards on weekends, 1000 bonus rewards every month and waiver of fuel surcharge
Editor's Review
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
- Reward on all purchases
- Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
- Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift
Cons
- No golf/coaching sessions
- No complimentary Airport Lounge Access
