American Express SmartEarn™ Credit Card vs Tata Platinum 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

• 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

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