HomeCredit CardsAmerican Express SmartEarn Credit Card
American Express SmartEarn Credit Card

American Express

American Express SmartEarn Credit Card

amexclassiccreditshopping

Annual Fee

₹495

Base Reward

1% MR points

Foreign Markup

3.50% on international transactions

Apply Now
4.5/5

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

Category Rewards

shopping

10X Membership Reward Points on select merchants

10X Membership Reward Points on select merchants

~5% effective

other

5X Membership Reward Points on Amazon

5X Membership Reward Points on Amazon

~2.5% effective

Fee Waiver

Annual renewal fee waived on spends of ₹40,000 in the previous year

Merchant-Specific Rewards

1 pt = ₹0.5
Flipkart

Flipkart

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
Uber

Uber

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
Zomato

Zomato

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
BookMyShow

BookMyShow

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
Ajio

Ajio

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
Nykaa

Nykaa

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
PVR

PVR

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
BlinkIt

BlinkIt

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
Myntra

Myntra

online(Max cap of 500 points)

10X Membership Reward Points~5% effective
Amazon

Amazon

online(Max cap of 250 points/month)

5X Membership Reward Points~2.5% effective

Rewards Details

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.

Reward Points — Redemption ValueBest: ₹0.5/point
  • 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.

We use ₹0.5/point as the effective value for card comparisons and recommendations.

Benefits & Features

10X Reward Points on spends on Uber (max cap of 500 Points)

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

fuelinsuranceutilitiescash transactionsEMI conversions

Partner Merchants

FlipkartZomatoPVRUberBookMyShowAjioNykaaBlinkItMyntraAmazon

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹495
Joining Fee₹495 + GST
Fee WaiverAnnual renewal fee waived on spends of ₹40,000 in the previous year
Foreign Markup3.50% on international transactions
Interest Rate3.5% per month
Cash Advance3.5%, subject to a minimum amount of ₹250

Eligibility

Min Age

18 yrs

Salaried

₹4.5L+

Self-Emp

₹6.0L+

Networks

amex