WINNER
American Express SmartEarn Credit Card
American Express
VS
SBI Cashback Credit Card
SBI Card
American Express SmartEarn Credit Card vs SBI Cashback Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated May 2026
Recommended
82
Overall Score / 100
4.1/5
88
Overall Score / 100
4.4/5
Scoreboard· 3 measured features
3
American Express SmartEarn Credit Card
Overall winner
0
Tied
0
SBI Cashback Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Better here
American Express SmartEarn Credit Card
Rewards (50.0%)+ ₹3,00,000
Annual fee− ₹495
Net per year+₹2,99,505
SBI Cashback Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹999
Net per year+₹29,001
American Express SmartEarn Credit Card gives you ₹2,70,504 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
American Express SmartEarn Credit Card
SBI Cashback Credit Card
Annual Fee
₹495
₹999
Reward Rate
10X select partners, 1pt/₹50 base
5% online, 1% offline
Welcome Bonus
500 points on first spend
None
Lounge Access
None
None
Min. Income
₹30,000
₹30,000
Min. Credit Score
700
720
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
Comparison verdict currently unavailable. Please check back later.
Who Should Get Which?
💰
Choose American Express SmartEarn Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose SBI Cashback Credit Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.