American Express 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 / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 50 spent on other eligible spends
RBL Bank 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 | American Express SmartEarn Credit Card | RBL Bank 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 / Rs 50 spent on select 10X merchants; amazon: 5 Membership Rewards Points / Rs 50 spent on Amazon; retail: 1 Membership Rewards Point / Rs 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 Rs 500 each on reaching spends of Rs 1.20 lakh, Rs 1.80 lakh, and Rs 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 Rs 0.6 per point; Statement credit: upto Rs 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 |