American Express SmartEarn Credit Card
American Express
Annual Fee
₹495
Joining Fee
₹495 + GST
Base Reward
1% points
Foreign Markup
3.50% on international transactions
Fee Waiver
Annual renewal fee waived on spends of ₹40,000 in the previous year
Interest Rate
3.5% per month
Welcome Benefits
₹500 cashback on eligible spends of ₹10,000 within 90 days of card issuance
Product Highlights
- Low joining fee of ₹495
- 10X reward points on popular platforms
Rewards
Earn 10X Reward Points on popular platforms and brands like Zomato, EaseMyTrip, Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, and Myntra. Earn 5X Reward Points on Amazon.
Redemption
Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 10%(10X Membership Reward Points on select merchants) | No cap |
other | 5%(5X Membership Reward Points on Amazon) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Flipkart | 10X Membership Reward Points(Max cap of 500 points) | online |
| Uber | 10X Membership Reward Points(Max cap of 500 points) | online |
| Zomato | 10X Membership Reward Points(Max cap of 500 points) | online |
| BookMyShow | 10X Membership Reward Points(Max cap of 500 points) | online |
| Ajio | 10X Membership Reward Points(Max cap of 500 points) | online |
| Nykaa | 10X Membership Reward Points(Max cap of 500 points) | online |
| PVR | 10X Membership Reward Points(Max cap of 500 points) | online |
| BlinkIt | 10X Membership Reward Points(Max cap of 500 points) | online |
| Myntra | 10X Membership Reward Points(Max cap of 500 points) | online |
| Amazon | 5X Membership Reward Points(Max cap of 250 points/month) | online |
Benefits & Features
10X Reward Points on spends on Uber (max cap of 500 Points)
Fees & Charges
Eligibility
Min Age
18 years
Min Income (Salaried)
₹4,50,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- Low joining fee of just ₹495
- 10X reward points on purchases from Flipkart, Zomato, PVR, and Uber
Cons
- No domestic or international lounge access
- Primarily a shopping card with limited additional benefits
Additional Info
Membership Rewards Points do not expire
1 add-on credit card for free, ₹250/card thereafter
Max 1,250 Membership Reward Points in a month at an accelerated rate.
Excluded Categories