American Express SmartEarn™ Credit Card vs Spar SBI Card SELECT
Joining Fees
₹495
₹1,499
Editor's Rating
3.4
2.5
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
- On overall annual retail spends of Rs 300,000, avail 12,000 bonus Reward Points
- On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points
- On annual spends of Rs 75,000 across all Landmark Stores, earn 8,000 bonus Reward Points
- With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
- The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home
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
- Welcome benefit of receiving 6,000 bonus reward points equivalent to Rs. 1,500 on payment of Annual Fees
- Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
- Get 2 Reward point per Rs. 100 spent on other retail purchases (Non-fuel)
Cons
- No Golf/coaching sessions
- Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits
