American Express SmartEarn Credit Card vs PhonePe SBI Card SELECT BLACK
American Express · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹495
Max Reward10%
SBI CardScoreVery Good
Annual Fee₹1,499
Max Reward10%
PhonePe SBI Card SELECT BLACK leads overall with a CardCheck Score of 79/100 (+4 pts over American Express SmartEarn Credit Card).
4-Pillar Head-to-Head Breakdown
American vs PhonePeReward Power
35%American35/35
PhonePe35/35
Tie (35/35)
Fee Value & ROI
25%American24/25
PhonePe18/25
American Wins
Lounge & Travel
20%American4/20
PhonePe18/20
PhonePe Wins
Forex & Access
20%American12/20
PhonePe8/20
American Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 75
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 24/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- American Express
- SBI Card
- Network
- Amex
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy
- PhonePe users seeking rewards on UPI/online spends and lounge access
03—Fees
- Joining fee
- ₹495
- FreeBest
- Annual fee
- ₹495Best
- ₹1,499
- Fee waiver
- ₹40,000Best
- ₹3,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%Best
- 45%
- APR (max)
- 42%Best
- 45%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 3.5%
- 2.5%Best
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 10%
- 10%
- Points / ₹100
- 2
- —
- Point value
- —
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 1Best
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 18
- Min income / month
- ₹15,000
- —
- Min CIBIL
- 700
- —
- Invite only
Rows won
04of 08
04of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 24/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | SBI Card |
| Network | Amex | Visa |
| Card type | Regular | Co-branded |
| Best for | Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy | PhonePe users seeking rewards on UPI/online spends and lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹495 | FreeBest |
| Annual fee | ₹495Best | ₹1,499 |
| Fee waiver | ₹40,000Best | ₹3,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 45% |
| APR (max) | 42%Best | 45% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 3.5% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 10% | 10% |
| Points / ₹100 | 2 | — |
| Point value | — | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 1Best |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 18 |
| Min income / month | ₹15,000 | — |
| Min CIBIL | 700 | — |
| Invite only | ||
| Rows won | 04of 08 | 04of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express SmartEarn Credit Card | PhonePe SBI Card SELECT BLACK |
|---|---|---|
| CardCheck Score | 75/100Very Good | 79/100Very Good |
| Annual Fee | ₹495 | ₹1,499 |
| Fee Waiver Spend | ₹40,000/yr | ₹3L/yr |
| Max Reward Potential | 10% | 10% |
| Domestic Lounge Access | None | 1 / quarter |
| International Lounge | None | Priority Pass (Select) |
| 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 PhonePe SBI Card SELECT BLACK if:
Your spending aligns with phonepe users seeking rewards on upi/online spends and lounge access and you prioritize SBI Card's redemption benefits.
Frequently asked questions: American Express SmartEarn Credit Card vs PhonePe SBI Card SELECT BLACK
- Which is better: American Express SmartEarn Credit Card or PhonePe SBI Card SELECT BLACK?
- PhonePe SBI Card SELECT BLACK holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 75/100 (Very Good) for American Express SmartEarn Credit Card (a lead of +4 points). PhonePe SBI Card SELECT BLACK provides better net value across rewards and fee structures.
- 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, PhonePe SBI Card SELECT BLACK charges an annual fee of ₹1,499 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between American Express SmartEarn Credit Card and PhonePe SBI Card SELECT BLACK?
- American Express SmartEarn Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, PhonePe SBI Card SELECT BLACK offers a base rate of 1% and up to 10% 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 PhonePe SBI Card SELECT BLACK?
- American Express SmartEarn Credit Card provides no complimentary domestic lounge access. On the other hand, PhonePe SBI Card SELECT BLACK provides 1 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 PhonePe SBI Card SELECT BLACK charges 3.50%. 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).