Compare American Express SmartEarn™ Credit Card vs Tata Neu Plus SBI 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

Welcome benefits include getting 499 NeuCoins (worth Rs. 499) within 15 days of Joining Fee realisation
Redeem these coins on Tata New App/Website and partner Tata Brands
2% value-back as NeuCoins on spends on Tata Neu App/Website and partner Tata Brands
Extra 5% value-back as NeuCoins on select category spends on Tata Neu App/Website
1% value-back as NeuCoins on other spends
1% value-back as NeuCoins on UPI transactions (valid only on Rupay variant)
4 complimentary domestic airport lounge access every year ( maximum 1 per quarter) on quarterly spends of Rs. 50,000
Annual fee waiver on spending Rs. 1 Lakh in the previous year
1% fuel surcharge across all petrol pumps in India, on transactions from Rs. 500 up to Rs. 4,000, up to Rs. 250 per month
Tap & Pay with Ease: Tap the card on a secure reader for instant transactions
Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
Transfer outstanding balances of other banks’ credit cards to the Tata Neu Plus SBI Card at a lower interest rate and repay in easy EMIs

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