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American Express
American Express SmartEarn Credit Card
American Express is temporarily pausing new card applications in India while updating its technology platforms. Existing cardholders can still review their benefits.
- Joining fee incl. GST
- ₹584
- Renewal fee incl. GST
- ₹584
- Conditional welcome value
- Up to ₹500
- Forex markup
- 3.5%
- Interest p.a.
- 42%
- Min income (salaried)
- ₹4,50,000/yr
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Spend Rs.10,000 within 90 days
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Terms describe both total 10X examples and bonus points; earning after the accelerated cap is not established. Estimate stops accelerated earning at documented cap.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Dining Only the qualifying merchants or payment route below Issuer examples reach this accelerated cap at ₹2,500 monthly spend. Shared 10X groups: Zomato/EaseMyTrip and other partners; Amazon has a separate 5X cap. Post-cap earning requires confirmation; not included. | 5% | ₹125 shared reward / month |
Travel Only the qualifying merchants or payment route below Issuer examples reach this accelerated cap at ₹2,500 monthly spend. Shared 10X groups: Zomato/EaseMyTrip and other partners; Amazon has a separate 5X cap. Post-cap earning requires confirmation; not included. | 5% | ₹125 shared reward / month |
Online shopping Only the qualifying merchants or payment route below Issuer examples reach this accelerated cap at ₹2,500 monthly spend. Shared 10X groups: Zomato/EaseMyTrip and other partners; Amazon has a separate 5X cap. Post-cap earning requires confirmation; not included. | 5% | ₹125 shared reward / month |
Entertainment Only the qualifying merchants or payment route below Issuer examples reach this accelerated cap at ₹2,500 monthly spend. Shared 10X groups: Zomato/EaseMyTrip and other partners; Amazon has a separate 5X cap. Post-cap earning requires confirmation; not included. | 5% | ₹125 shared reward / month |
Online shopping Only the qualifying merchants or payment route below Issuer examples reach this accelerated cap at ₹2,500 monthly spend. Shared 10X groups: Zomato/EaseMyTrip and other partners; Amazon has a separate 5X cap. Post-cap earning requires confirmation; not included. | 2.5% | ₹63 shared reward / month |
| Other eligible purchases | 0.5% | — |
Excluded from ordinary earning: Fuel, Insurance, Utilities & bills. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹1,20,000 | Rs.500 gift voucher on spending Rs.1.2 lakh in a card year | ₹500 |
| ₹1,80,000 | Additional Rs.500 gift voucher on spending Rs.1.8 lakh in a card year | ₹500 |
| ₹2,40,000 | Additional Rs.500 gift voucher on spending Rs.2.4 lakh in a card year | ₹500 |
Key benefits
- 10X points in two shared monthly groups: Zomato/EaseMyTrip (500 points) and other eligible partners (500 points)
- 5X Membership Rewards points on Amazon, capped 250 pts/month
- 1 Membership Rewards point per Rs.50 on other eligible spends (excludes fuel, utilities, insurance, cash, POS-EMI)
- Milestone gift vouchers at Rs.1.2L / 1.8L / 2.4L annual spend
- Zero lost-card liability and contactless payments
- EMI conversion available from ~14% p.a.
What we like
- +Low Rs.495 annual fee, waivable on Rs.40,000 annual spend
- +Strong ~5% effective value-back at popular online partner merchants (within caps)
- +Membership Rewards points do not expire while account is active
What to watch
- −Accelerated monthly limits: 500 points in each 10X group and 250 points on Amazon 5X; not a separate cap for every merchant
- −Low 0.5% base earn outside accelerated merchants; no points on fuel/utilities/insurance
- −Narrow Amex acceptance vs Visa/Mastercard; 3.5% forex markup
- −No lounge access
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Partner link — we may earn a commission. Disclosure
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