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American Express · American Express
Platinum Charge vs Smart Earn
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
21composite score
95% rule confidence
95% rule confidence
Winner
46composite score
95% rule confidence
95% rule confidence
Annual fee
₹66,000
₹495
Network
Amex
Amex
Base reward rate
2.5%
1%
Min. income (monthly)
₹5,00,000
₹25,000
Min. credit score
750+
700+
Best for
Travel
Food delivery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Smart Earn edges out for most wallets.
- Lighter annual fee, ₹495 vs ₹66,000.
- Easier to qualify, ₹25,000/mo income gets you in versus ₹5,00,000/mo.
Composite score
Platinum Charge21
Smart Earn46
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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