American Express SmartEarn™ Credit Card vs Standard Chartered Rewards 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

• Second Year onwards the annual fees will be reversed on spends of Rs. 1,50,000 or more in the previous year. Alternatively, cardholder will be entitled to receive 4000 reward points on the payment of Annual Fees
• Get 4 reward points per Rs. 150 on all Retail spends (except Government, Insurance and Fuel categories)
• Avail additional 4 reward points per Rs. 150 on monthly Retail spends above Rs. 20,000 (max. 2000 bonus reward points per statement cycle)
• 1 Domestic Lounge Visit per calendar quarter (4 per year)
• 1 reward point on every Rs. 150 spent on Government and Insurance categories
• 1% Fuel Surcharge waiver on all fuel spends
• Get a wide range of instant payment solutions like Samsung Secure Play and BharatQR Bharat Bill Payment Solution (BBPS)
• Enjoy the facility of Kuch Bhi on EMI option where you can convert big spends above Rs. 2,000 to easy EMI through online banking or SC Mobile. Avail attractive pricing and flexible tenure options
• Easily redeem reward points against the bank’s new online catalogue with Standard Chartered 360* Rewards
• Avail loan up to Rs. 5,00,000 on the credit card with flexible tenure from 12 to 60 months
• Transfer card balance from other bank credit cards up to Rs. 5,00,000 at attractive interest rate
• Convert entire outstanding, up to Rs. 5,00,000, in EMIs with zero processing fees

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

• 1% Fuel Surcharge Waiver
• 4 reward points per Rs. 150 on all Retail spends
• Avail loan up to Rs. 5,00,000 on the credit card with flexible tenure from 12 to 60 months

Cons

• No golf benefits
• No international airport lounge access / dining/ movie benefits