Spar SBI Credit Card vs American Express SmartEarn™ Credit Card

• Cumulative milestone benefits up to 16,000 RP worth Rs 4,000
• On annual spends of Rs 20,000 across all Landmark Stores, avail 1,000 bonus Reward Points
• On annual spends of Rs 45,000 across all Landmark Stores, get 2,000 bonus Reward Points
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores
• 1% fuel surcharge waiver 

• 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

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Welcome benefits include getting 2,000 bonus reward points equivalent to Rs. 500 on payment of Annual Fees 
• Spar SBI Card can be used in over 24 million outlets globally, including 3,25,000 outlets in India
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores                       

Cons 

• No Golf/coaching sessions
• Priority Pass Lounge Charges: Through the Priority Pass Program, airport lounge visits within India will be charged with 19 usage fee of $27 per visit + applicable taxes. Moreover, airport lounge visits outside India after exhausting the complimentary visits will be charged with usage fee of $27 per visit + applicable taxes 

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