American Express SmartEarn™ Credit Card
Fees
₹495 + Taxes
Joining & annual
Reward Rate
10X Membership Rewards Points on Flipkart & Uber (capped 500 pts/month); 5X on Amazon per ₹50 (capped 250 pts/month); 1 point per ₹50 on other spends
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
No Lounge Access
Our Expert Take
The American Express SmartEarn™ Credit Card from American Express offers 10X Membership Rewards Points on Amazon, Flipkart & Uber with an annual fee of ₹495 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10X on Flipkart, Uber, BookMyShow and other partners
Max 500 points per month
Reached after about ₹2,500 of spend
-
10X on Zomato and EaseMyTrip
Max 500 points per month
Reached after about ₹2,500 of spend
-
5X on Amazon
Max 250 points per month
Reached after about ₹2,500 of spend
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 10X Membership Rewards Points on Flipkart & Uber, 5X on Amazon
- Also earns 10X points on Zomato, EaseMyTrip, Myntra, PVR, BookMyShow, Ajio, Nykaa & BlinkIt
- Low ₹495 fee with an easily reachable ₹40,000 waiver threshold
- Fee waiver threshold (Annual fee waived on ₹40,000 annual retail spends)
Limitations
- No airport lounge access
- Bonus categories are capped at 250-500 points per month each
- Base reward rate on non-partner spends is a modest 1 point per ₹50
Key Perks & Spending Milestones
10X Membership Rewards Points on Flipkart & Uber, capped at 500 points/month
5X on Amazon per ₹50, capped at 250 points/month
10X points on Zomato, EaseMyTrip, Myntra, PVR, BookMyShow, Ajio, Nykaa & BlinkIt
1 point per ₹50 on other spends
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Annual fee waived on ₹40,000 annual retail spends
Fees & Charges
Joining fee
₹495 + Taxes
Annual fee
₹495 + Taxes
Annual fee waived on ₹40,000 annual retail spends
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on Amex SmartEarn?
Does Amex SmartEarn offer lounge access?
Compare American Express SmartEarn™ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| American Express SmartEarn™ Credit Card This Card | ₹495 + Taxes | 10X Membership Rewards Points on Flipkart & Uber (capped 500... | No Lounge Access | 4.5/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |