Joining Fee

₹495

Annual Fee

Rs. 495 (Reversed on annual spends of Rs. 0.4 Lakhs)

American Express

Rewards

Cashback

Shopping

Best For: Online shoppers on Amazon and Flipkart, Frequent Zomato and Uber users, Entry-level credit card users, BookMyShow regulars

American Express SmartEarn Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

10X rewards on Zomato, BookMyShow, Uber, Flipkart and more
5X rewards on Amazon
Low annual fee of Rs. 495
Fee waiver on spends of Rs. 40,000
Rs. 500 welcome cashback
Milestone vouchers up to Rs. 1,500 per year
Fuel convenience fee waiver at HPCL
EMI facility at low 14% p.a.

Cons

No points on fuel, insurance, utilities, cash transactions
No points on EMI conversions at point of sale
Monthly cap on accelerated rewards points
Limited city availability

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

10X points capped at 500 per month for Flipkart, Uber, BookMyShow and other partners combined

10X points capped at 500 per month for EaseMyTrip and Zomato combined

5X points capped at 250 per month for Amazon

No rewards on fuel, insurance, utilities, and EMI at point of sale

Zero lost card liability only if reported within 3 working days; beyond that max liability is Rs. 1,000

Welcome gift only available in 1st year on payment of annual fee

Key Benefits & Features

24x7 Card Related Assistance, Dispute Resolution, Zero Lost Card Liability, Emergency Card Replacement, Contactless Payment

Eligibility Criteria

Min. Annual Income

₹4.5 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Notable Exclusions

No Membership Rewards points on Fuel (petrol, diesel, CNG from Oil Marketing Companies)No Membership Rewards points on Insurance paymentsNo Membership Rewards points on Utility payments (electricity, water, gas bills)No Membership Rewards points on Cash TransactionsNo Membership Rewards points on EMI conversion at Point of Sale effective February 1, 2020

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About American Express SmartEarn Credit Card

The American Express SmartEarn Credit Card is designed for everyday spenders who want to maximize rewards on popular platforms. New cardmembers receive a welcome gift of Rs. 500 cashback as a statement credit upon spending Rs. 10,000 within the first 90 days, making it an attractive entry-level option backed by the trusted American Express network. The card's standout feature is its accelerated Membership Rewards programme. Cardmembers earn 10X points for every Rs. 50 spent on Zomato, BookMyShow, Uber, Flipkart, Ajio, Nykaa, and more, while Amazon purchases earn 5X points per Rs. 50 spent. Beyond these partner merchants, 1 Membership Rewards point is earned for every Rs. 50 on general eligible spends. Cardmembers can also earn gift vouchers worth Rs. 500 upon reaching annual spend milestones of Rs. 1.20 lakh, Rs. 1.80 lakh, and Rs. 2.40 lakh respectively. With an annual fee of just Rs. 495, the card offers strong value, including a renewal fee waiver on eligible annual spends of Rs. 40,000 or more. Additional benefits include American Express EMI conversions at interest rates starting from 14% per annum, fuel convenience fee waivers at HPCL, zero lost card liability, 24x7 card assistance, and contactless payment capability, making it a well-rounded card for budget-conscious, digitally active consumers.

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