American Express SmartEarn Credit Card VS Standard Chartered Super Value Titanium Credit Card
American Express SmartEarn Credit Card and Standard Chartered Super Value Titanium Credit Card target different spending habits, so the better fit depends on where your money actually goes. American Express SmartEarn Credit Card costs ₹495 + GST and earns 1 Membership Rewards Point for every Rs. 50 spent. Get 10X points on Zomato, Flipkart, Uber, etc., and 5X on Amazon. Standard Chartered Super Value Titanium Credit Card costs ₹750 + GST and earns 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends. American Express SmartEarn Credit Card also brings Rs. 500 cashback as a statement credit on eligible spends of Rs. 10,000 within 90 days, while Standard Chartered Super Value Titanium Credit Card counters with 100% cashback up to ₹1,500 on fuel transactions within the first 90 days of card issuance. If shopping spending matters more, go with American Express SmartEarn Credit Card; if fuel is the priority, Standard Chartered Super Value Titanium Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
American Express SmartEarn Credit Card
Standard Chartered Super Value Titanium Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
The American Express SmartEarn Credit Card features a low joining fee of just Rs. 495.
Enjoy significant accelerated rewards (10X & 5X) on popular online shopping, dining, and travel platforms.
The annual membership fee can be easily waived by spending Rs. 40,000 in the previous year.
Provides attractive milestone benefits in the form of gift vouchers on reaching spend thresholds.
Benefit from excellent customer service and robust card protection features like Zero Lost Card Liability.
Pros
Key benefits and features.
Enjoy a high 5% cashback on essential spends like fuel, telephone, and utility bills.
Receive 100% cashback up to ₹1,500 on fuel transactions within the first 90 days.
Premium Banking Customers get a lifetime free card with complimentary international lounge access.
Benefit from a lifetime free supplementary credit card for your family members.
Cons
Key drawbacks and limitations.
The American Express SmartEarn Credit Card lacks domestic or international lounge access benefits.
This card is primarily shopping-focused, lacking a wide array of additional lifestyle benefits.
Monthly caps on accelerated reward points can significantly limit maximum earnings for high spenders.
American Express cards may face acceptance issues at smaller local merchants compared to Visa/Mastercard.
Its standalone value is less compared to combining with other Amex cards for optimized redemption.
Cons
Key drawbacks and limitations.
The 1% fuel surcharge waiver will be discontinued from August 25, 2024.
Total monthly cashback across key categories is capped at a relatively low ₹500.
A redemption fee of ₹99 is charged for every reward point redemption request.
High foreign currency markup of 3.5% makes international spends expensive.
This credit card does not offer any complimentary domestic airport lounge access.