American Express SmartEarn™ Credit Card vs YES Prosperity 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

• 4 Reward Points for every Rs. 200 spent on Groceries & Supermarkets 
• 2 Reward Points for every Rs. 200 on other categories 
• Exclusive Catalogue of Products
• Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)

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

• This credit card is good for those who’re seeking Reward Points
• Fuel Surcharge Waiver
• This credit card is good for those who love to shop

Cons

• This credit card isn’t travel-specific card
• No Golf Privileges
• Not much discount on movies