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Credit Cards · India

American Express SmartEarn Credit Card

Updated 15 Apr 2026Source-linked

The American Express SmartEarn Credit Card is a entry credit card from American Express, with a joining fee of ₹495 + GST.

It earns up to 10% back on amazon flipkart makemytrip spends in the form of membership rewards (points).

Welcome benefit: 500 Membership Rewards points.

American Express logo
American Express SmartEarn Credit Card
American Express logo
  • Joining Fee₹495
  • Annual Fee₹495
  • Best Suited ForOnline shopping
  • Reward TypeMembership Rewards (points)
Rewards Rate
  • 10% on amazon flipkart makemytrip (cap 500 points / monthly)
  • 5% on uber bookmyshow (cap 500 points / monthly)
  • Base 0.50% on other spends
Welcome Benefits
  • 500 Membership Rewards points
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Rewards and Benefits

Rewards Rate
10% on amazon flipkart makemytrip (cap 500 points / monthly)
5% on uber bookmyshow (cap 500 points / monthly)
Base 0.50% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
500 Membership Rewards points
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹40,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
3.5% or ₹250 (whichever is higher)

Product Details

  • entry card issued by American Express.
  • Joining / annual fee of ₹495 + GST, waived on annual spends of ₹40,000.
  • Available on the American Express network.

Pros & Cons

Pros
  • Annual fee waivable on ₹40,000 spend.
  • Accelerated earn rate of 10% on amazon flipkart makemytrip.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹125 welcome benefit

  • 500 Membership Rewards points
    Spend ₹10,000 within 90 days
    Window: 90 days from issuance.

Accelerated rewards

  • 10% on amazon flipkart makemytrip (cap 500 points / monthly)
    Merchants: amazon.in, flipkart, makemytrip
    10x MR points on Amazon, Flipkart and MakeMyTrip; cap 500 points/month per merchant.
  • 5% on uber bookmyshow (cap 500 points / monthly)
    Merchants: uber, bookmyshow

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • insurance premiums
  • emi
  • cash advance
  • utilities

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
720+
Income (salaried)
₹4,50,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsentryonline spendamexpoints