SmartEarn Credit Card
Rs 495Annual fee
Rs 40,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Entry Level, Shopping, Amazon, Zomato
Top rewards
Partner Merchants: 10 Membership Rewards Points / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends
Cookies Credit Card
Rs 1,200Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Online, Shopping, Entry Level
Top rewards
Zomato Spends (10% Cashback): 10% Cashback; Myntra Spends (10% Cashback): 10% Cashback; Uber Spends (10% Cashback): 10% Cashback
| Feature | SmartEarn Credit Card | Cookies Credit Card |
|---|---|---|
| Issuer | American Express | RBL Bank |
| Network | American Express | Visa |
| Joining fee | Rs 495 | Rs 0 |
| Annual fee | Rs 495 | Rs 1,200 |
| Fee waiver spend | Rs 40,000 | - |
| Reward type | Membership Rewards | Reward Points |
| Best for | Online, Entry Level, Shopping, Amazon, Zomato | Online, Shopping, Entry Level |
| Top reward categories | Partner Merchants: 10 Membership Rewards Points / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends | Zomato Spends (10% Cashback): 10% Cashback; Myntra Spends (10% Cashback): 10% Cashback; Uber Spends (10% Cashback): 10% Cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Vouchers worth ₹500 each on reaching spends of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh in a cardmembership year | Monthly card fee of ₹100 is waived on spending ₹5,000 or more in a calendar month, Earn ₹1,000 brand voucher (Amazon, Flipkart, Myntra, Croma, Shoppers Stop) on annual spends of ₹2 Lakhs, Earn ₹5,000 brand voucher (Amazon, Flipkart, Myntra, Croma, Shoppers Stop) on annual spends of ₹5 Lakhs |
| Redemption | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point | Not Listed |
| Key exclusions | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, balance transfers | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Cash advance transactions |