Compare American Express SmartEarn™ Credit Card vs IDFC First WOW! 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

Lifetime free credit card - No joining fee/annual fee
Get up to 4x Reward Points on every transaction
Unlimited never expiring reward points as good as cash
Insurance premium payments and Utility bill payments will earn 1X reward points
Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
Zero interest charges on ATM cash withdrawals for up to 45 days
Zero Currency Exchange Hassles
Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
1% Fuel Surcharge Waiver
Withdraw cash up to 100% of FD value
Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
Earn 4X Reward Points on every travel spend
Up to 3X reward points on all UPI spends
Credit limit minimum 100% of the FD Value
No credit history required
No income proof required
Instant Card Issuance
Discover discounts across 1500+ resturants and retailers
Get discount across 300+ merchants and 1500+ resturants
Credit shield protection against theft and fraud
Access to exclusive VISA offers across the globe

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