American Express SmartEarn Credit Card vs YES Bank PaisaSave RuPay
American Express · Yes 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%
Yes BankScoreVery Good
Annual Fee₹499
Max Reward6%
American Express SmartEarn Credit Card leads overall with a CardCheck Score of 75/100 (+3 pts over YES Bank PaisaSave RuPay).
4-Pillar Head-to-Head Breakdown
American vs YESReward Power
35%American35/35
YES34/35
American Wins
Fee Value & ROI
25%American24/25
YES22/25
American Wins
Lounge & Travel
20%American4/20
YES4/20
Tie (4/20)
Forex & Access
20%American12/20
YES12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 75Best
- 72
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 24/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- American Express
- Yes Bank
- Network
- Amex
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy
- dining and travel cashback, UPI payments
03—Fees
- Joining fee
- ₹495
- FreeBest
- Annual fee
- ₹495Best
- ₹499
- Fee waiver
- ₹40,000Best
- ₹1,20,000
04—Interest
- APR (min)
- 42%
- —
- APR (max)
- 42%
- —
- Cash advance fee
- 3.5%
- —
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 10%Best
- 6%
- Points / ₹100
- 2
- —
- Point value
- —
- ₹1
- Monthly cap
- —
- ₹3,000
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- —
- 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
- 21
- Min income / month
- ₹15,000
- ₹25,000
- Min CIBIL
- 700
- —
- Invite only
Rows won
04of 05
01of 05
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 75Best | 72 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 24/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | Yes Bank |
| Network | Amex | RuPay |
| Card type | Regular | Co-branded |
| Best for | Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy | dining and travel cashback, UPI payments |
03—Fees Differences highlighted | ||
| Joining fee | ₹495 | FreeBest |
| Annual fee | ₹495Best | ₹499 |
| Fee waiver | ₹40,000Best | ₹1,20,000 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | — |
| APR (max) | 42% | — |
| Cash advance fee | 3.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1% | 1% |
| Max rate | 10%Best | 6% |
| Points / ₹100 | 2 | — |
| Point value | — | ₹1 |
| Monthly cap | — | ₹3,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | — |
| 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 | 21 |
| Min income / month | ₹15,000 | ₹25,000 |
| Min CIBIL | 700 | — |
| Invite only | ||
| Rows won | 04of 05 | 01of 05 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express SmartEarn Credit Card | YES Bank PaisaSave RuPay |
|---|---|---|
| CardCheck Score | 75/100Very Good | 72/100Very Good |
| Annual Fee | ₹495 | ₹499 |
| Fee Waiver Spend | ₹40,000/yr | ₹1.2L/yr |
| Max Reward Potential | 10% | 6% |
| Domestic Lounge Access | None | Check terms |
| 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 YES Bank PaisaSave RuPay if:
Your spending aligns with dining and travel cashback, upi payments and you prioritize Yes Bank's redemption benefits.
Frequently asked questions: American Express SmartEarn Credit Card vs YES Bank PaisaSave RuPay
- Which is better: American Express SmartEarn Credit Card or YES Bank PaisaSave RuPay?
- American Express SmartEarn Credit Card holds a higher overall rating with a CardCheck Score of 75/100 (Very Good) compared to 72/100 (Very Good) for YES Bank PaisaSave RuPay (a lead of +3 points). American Express SmartEarn Credit Card 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, YES Bank PaisaSave RuPay charges an annual fee of ₹499 with an annual spend threshold of ₹1.2 Lakh.
- How do the reward rates and cashback compare between American Express SmartEarn Credit Card and YES Bank PaisaSave RuPay?
- American Express SmartEarn Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, YES Bank PaisaSave RuPay offers a base rate of 1% and up to 6% 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 YES Bank PaisaSave RuPay?
- American Express SmartEarn Credit Card provides no complimentary domestic lounge access. On the other hand, YES Bank PaisaSave RuPay provides standard lounge access terms subject to bank quarterly spend criteria. 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 YES Bank PaisaSave RuPay 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).