American Express SmartEarn Credit Card vs AU ixigo Credit Card
American Express · AU Small Finance Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹495
Max Reward10%
AU Small Finance BankScoreExcellent
Annual Fee₹999
Max Reward5%
AU ixigo Credit Card leads overall with a CardCheck Score of 81/100 (+6 pts over American Express SmartEarn Credit Card).
4-Pillar Head-to-Head Breakdown
American vs AUReward Power
35%American35/35
AU34/35
American Wins
Fee Value & ROI
25%American24/25
AU20/25
American Wins
Lounge & Travel
20%American4/20
AU15/20
AU Wins
Forex & Access
20%American12/20
AU12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 75
- 81Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 24/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 15/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- American Express
- AU Small Finance Bank
- Network
- Amex
- Mastercard
- Card type
- Regular
- Co-branded
- Best for
- Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy
- ixigo travel platform users — ixigo Money credits + 2 lounge/quarter
03—Fees
- Joining fee
- ₹495Best
- ₹999
- Annual fee
- ₹495Best
- ₹999
- Fee waiver
- ₹40,000Best
- ₹1,00,000
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Cash advance fee
- 3.5%
- 2.5%Best
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 10%Best
- 5%
- Points / ₹100
- 2
- 5Best
- Point value
- —
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 2Best
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹15,000
- ₹20,000
- Min CIBIL
- 700
- 680Best
- Invite only
Rows won
04of 09
05of 09
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 81Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 24/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | AU Small Finance Bank |
| Network | Amex | Mastercard |
| Card type | Regular | Co-branded |
| Best for | Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy | ixigo travel platform users — ixigo Money credits + 2 lounge/quarter |
03—Fees Differences highlighted | ||
| Joining fee | ₹495Best | ₹999 |
| Annual fee | ₹495Best | ₹999 |
| Fee waiver | ₹40,000Best | ₹1,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Cash advance fee | 3.5% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 10%Best | 5% |
| Points / ₹100 | 2 | 5Best |
| Point value | — | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 2Best |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹15,000 | ₹20,000 |
| Min CIBIL | 700 | 680Best |
| Invite only | ||
| Rows won | 04of 09 | 05of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express SmartEarn Credit Card | AU ixigo Credit Card |
|---|---|---|
| CardCheck Score | 75/100Very Good | 81/100Excellent |
| Annual Fee | ₹495 | ₹999 |
| Fee Waiver Spend | ₹40,000/yr | ₹1L/yr |
| Max Reward Potential | 10% | 5% |
| Domestic Lounge Access | None | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose American Express SmartEarn Credit Card if:
Your spending centers around budget online shopping — up to 10 mr points per ₹50 on amazon & swiggy and you want direct partner rewards with American Express.
Choose AU ixigo Credit Card if:
Your spending aligns with ixigo travel platform users — ixigo money credits + 2 lounge/quarter and you prioritize AU Small Finance Bank's redemption benefits.
Frequently asked questions: American Express SmartEarn Credit Card vs AU ixigo Credit Card
- Which is better: American Express SmartEarn Credit Card or AU ixigo Credit Card?
- AU ixigo Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 75/100 (Very Good) for American Express SmartEarn Credit Card (a lead of +6 points). AU ixigo Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- American Express SmartEarn Credit Card charges an annual fee of ₹495 with an annual spend threshold of ₹40,000 for renewal fee waiver. In comparison, AU ixigo Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between American Express SmartEarn Credit Card and AU ixigo Credit Card?
- American Express SmartEarn Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, AU ixigo Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: American Express SmartEarn Credit Card or AU ixigo Credit Card?
- American Express SmartEarn Credit Card provides no complimentary domestic lounge access. On the other hand, AU ixigo Credit Card provides 2 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- American Express SmartEarn Credit Card levies a foreign currency markup fee of 3.5%, while AU ixigo Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).