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American Express SmartEarn Credit Card Apply Now	American Express Membership Rewards® Credit Card Apply Now	American Express Gold Charge Card Apply Now
Joining Fee Rs. 495 + GST	Joining Fee Nil	Joining Fee Rs. 1,000 + GST
Rewards and Benefits
Welcome Benefits Cashback of Rs. 500 and 2,000 Referral Bonus Membership Rewards Points	Welcome Benefits Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.	Welcome Benefits 4,000 Bonus Membership Rewards Points. 2,000 Referral Bonus Membership Rewards Points
Rewards Rate 1 Membership Reward Point/Rs. 50 spent (with a few exceptions), 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit and more.	Rewards Rate 1 membership reward point per Rs 50 spent excluding fuel transactions, Utility bill payments, insurance, and cash transactions	Rewards Rate 1 Membership Rewards Point per Rs. 50 spent with the card, 5X Membership Rewards Points on Rewards Multiplier Portal
Movie & Dining 10X Membership Rewards Points on spends with BookMyShow, Zomato and PVR Cinemas.	Movie & Dining Get special dining discounts up to 20% off using your American Express Reward credit card at select restaurants	Movie & Dining Up to 25% off on orders from The Oberoi Gurgaon, The Leela and many other partner restaurants, up to 20% off on other select restaurants.
Reward Redemption Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.	Reward Redemption You can redeem the membership reward points accrued with American Express 18 and 24 Karat Gold Collection	Reward Redemption Membership Rewards Points can be redeemed for travel, accessories, and dining on AmEx’s Membership Rewards Redemption portal, and against fabulous 18 and 24 Karat collection.
Travel 10X Reward Points on spends on Uber (max cap of 500 Points)	Travel N/A	Travel 10% discount on Air Vistara tickets, discounts in partnership with some of the most premium hotel chains.
Golf N/A	Golf N/A	Golf N/A
Domestic Lounge N/A	Domestic Lounge N/A	Domestic Lounge N/A
International Lounge N/A	International Lounge N/A	International Lounge N/A
Insurance Benefits Zero cost liability if loss of card reported within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.	Insurance Benefits N/A	Insurance Benefits N/A
Zero Liability Protection Zero cost liability on reporting the loss of card within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.	Zero Liability Protection You get liability protection assurance such as zero lost card assurance, 24×7 card assistance, emergency card replacement, Dispute resolution	Zero Liability Protection On reporting the issue to the bank within 3 days, the cardholder will n to liable for any transactions, otherwise, the maximum liability of up to Rs. 1,000 will fall on the cardholder.
Fees & Charges

Renewal Fee Rs. 495 + GST	Renewal Fee Rs 4,500 + GST	Renewal Fee Rs. 4,500 + GST
Spend Based Waiver Annual renewal fee waived on spends of Rs. 40,000 in the previous year.	Spend Based Waiver A spend-based waiver on a renewal fee of Rs 4,500 on annual spending of Rs 1,50,000. Get 50 percent waiver on the renewal fee on annual spending between Rs 90,000 to 1,49,999	Spend Based Waiver N/A
Rewards Redemption Fee Nil	Rewards Redemption Fee Rs 250 per redemption request	Rewards Redemption Fee Nil
Foreign Currency Markup 3.50% on international transactions	Foreign Currency Markup 3.5% on the conversion amount	Foreign Currency Markup 3.5% of the transaction amount
Interest Rates 3.5% per month	Interest Rates 3.5% per month	Interest Rates 3.5% per month
Fuel Surcharge 1% fuel surcharge waiver at HPCL fuel stations on transactions exceeding Rs. 5,000.	Fuel Surcharge You get 0%waiver on fuel convenience fee at HPCL fuel stations on fuel transactions below Rs 5,000. You get a 1% waiver on the fuel convenience fee at all fuel stations across India.	Fuel Surcharge Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations, and 2.5% surcharge at all other fuel stations.
Cash Advance Charges 3.5%, subject to a minimum amount of Rs. 250	Cash Advance Charges 2.5% of the amount withdrawn subject to a minimum amount of Rs 250	Cash Advance Charges 3.5% of withdrawal amount subject to a minimum amount of Rs. 250
Add-on Card Fee 1 complimentary add-on card, Rs. 250/card thereafter.	Add-on Card Fee Rs 1,500 (plus applicable taxes)	Add-on Card Fee 1 complimentary, Rs. 1,000/card fee applicable thereafter

American Express SmartEarn Credit Card

American Express Membership Rewards® Credit Card

American Express Gold Charge Card

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