American Express SmartEarn™ Credit Card vs Tata Platinum Card

Joining Fees

₹495

₹2,999

Editor's Rating

3.4

3.5

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
  • Welcome e- Gift Voucher worth Rs. 3,000 from any of the following brands: Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside
  • Get Anniversary Gift: Eligibility on crossing spends of Rs. 2 lakhs in the previous year
  • 2% value back on spends at Croma and cromaretail.com
  • Get up to 5% value back on spends on Tata outlets

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 and Anniversary gift vouchers
  • Airport lounge access
  • Gift vouchers on achieving milestone spends
  • Value back at STAR and TATA outlets

Cons

  • High-interest rate
  • No concierge services
  • No Golf games


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