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Last updated: 01-06-2026
American Express SmartEarn Credit Card
American Express

American Express SmartEarn Credit Card

"India's most affordable Amex card โ€” 10X Membership Rewards on Zomato, Uber, Flipkart, Myntra and 7 more top apps for just โ‚น495 per year"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น495 + GST
๐Ÿ”„ Renewal Fee
โ‚น495 + GST
Waived: Annual renewal fee waived on eligible spends of โ‚น40,000 or more in the previous card membership year โ€” very easy to achieve
๐ŸŽฏ Best Suited For
First-time Amex users who frequently order on Zomato, Uber and shop on Flipkart and Myntra; those wanting Amex's service quality and Membership Rewards transfer network at the lowest possible fee
๐ŸŽ Reward Type
Membership Rewards Points (1 MRP = โ‚น0.25 to โ‚น1 depending on redemption; transferable to 12+ airline and hotel partners; MRPs never expire)
๐ŸŽ‰ Welcome Benefit
โ‚น500 cashback on eligible spends of โ‚น10,000 in first 90 days of card membership โ€” effectively covers joining fee
๐Ÿ’ฐ Reward Rate
10X Membership Rewards on Zomato and EaseMyTrip (max 500 MRPs per month each); 10X on Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, Blinkit, Myntra (max 500 MRPs combined per month across all these brands); 5X on Amazon (max 250 MRPs per month); 1 MRP per โ‚น50 on all other eligible spends; maximum 1,250 MRPs per month at accelerated rates; MRPs never expire; excludes fuel, insurance, utilities, EMI at POS, cash
โœˆ๏ธ Lounge Access
No complimentary domestic or international airport lounge access
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โœ… Pros
  • Amex's most affordable card at โ‚น495
  • 10X rewards on 10 top apps (Zomato, Flipkart, Uber, Myntra and more)
  • Membership Rewards Points never expire
  • Transferable to 12+ airline partners (British Airways, Singapore Airlines and more)
  • โ‚น500 cashback welcome nearly covers fee
  • Easy โ‚น40,000 fee waiver
  • EMI at 14% per annum โ€” very low
โŒ Cons
  • Monthly accelerated RP cap of 1,250 MRPs limits high spenders
  • No airport lounge access
  • High forex markup 3.5%
  • Amex not accepted at all merchants โ€” lower offline acceptance vs Visa and Mastercard
  • Available only in select Indian cities

๐ŸŽ Rewards & Benefits

Reward Type
Membership Rewards Points (1 MRP = โ‚น0.25 to โ‚น1 depending on redemption; transferable to 12+ airline and hotel partners; MRPs never expire)
Welcome Benefits
โ‚น500 cashback on eligible spends of โ‚น10,000 in first 90 days of card membership โ€” effectively covers joining fee
Reward Rate
10X Membership Rewards on Zomato and EaseMyTrip (max 500 MRPs per month each); 10X on Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, Blinkit, Myntra (max 500 MRPs combined per month across all these brands); 5X on Amazon (max 250 MRPs per month); 1 MRP per โ‚น50 on all other eligible spends; maximum 1,250 MRPs per month at accelerated rates; MRPs never expire; excludes fuel, insurance, utilities, EMI at POS, cash
Reward Redemption
Amex Membership Rewards portal: transfer to 12+ airline partners (Air India, Singapore Airlines KrisFlyer, British Airways Avios, Turkish Airlines and more); InstaAMC for statement credit; vouchers and merchandise via Amex Rewards catalogue; flexible redemption options
Fuel Surcharge Waiver
0% convenience fee on HPCL fuel purchases below โ‚น5,000; 1% fee on HPCL transactions โ‚น5,000 and above
Lounge Access
No complimentary domestic or international airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น40,000 eligible spends in previous membership year
Milestone Benefits
โ‚น500 voucher on reaching each of: โ‚น1.20 lakh, โ‚น1.80 lakh, โ‚น2.40 lakh spend in a membership year โ€” up to โ‚น1,500 in annual milestone vouchers; fee waiver on โ‚น40,000 annual spend
Other Benefits
EMI conversion at 14% per annum on transactions above โ‚น5,000 โ€” lower than most credit card interest rates; contactless payments; Amex SAFEGUARDS zero liability; 24x7 card member services; emergency card replacement globally; Amex Offers at partner merchants; available in select Indian cities only

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on loss reporting within 3 working days; maximum liability โ‚น1,000 if reported after 3 working days
Add-on Cards
Up to 2 add-on cards at no fee; subsequent add-ons at โ‚น1,500 each
Concierge Services
24x7 card member services
Special Offers
10X on 10 top apps; โ‚น500 welcome cashback; milestone vouchers up to โ‚น1,500; EMI at 14% per annum

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น495 + GST
Annual Fee / Renewal Fee
โ‚น495 + GST
โœ“ Waived on: Annual renewal fee waived on eligible spends of โ‚น40,000 or more in the previous card membership year โ€” very easy to achieve
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum) standard; 1.17% per month (14% per annum) for EMI conversion
ATM Cash Withdrawal / Cash Advance
3.5% of withdrawn amount, minimum โ‚น250
Late Payment Charges
As per Amex prevailing slab
Over Limit Charges
As per Amex policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Available in select cities only (Delhi NCR, Mumbai, Bengaluru, Chennai, Hyderabad, Pune, Jaipur, Kolkata, Ahmedabad and more โ€” check current list); Amex network acceptance lower at some offline merchants; max 1,250 MRPs per month at accelerated rates

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; net annual income โ‚น4.5 lakh or more; Indian resident; good credit history; resident of an eligible Amex city
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and Amex credit assessment; typically โ‚น30,000 to โ‚น3 lakh

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น5,000 at 14% per annum; flexible tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Amex prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Amex app or 24x7 helpline
Instant Fraud Alerts
Real-time alerts via Amex app
Purchase Protection
Zero liability on immediate reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability if reported within 3 working days

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800-419-7122 (toll-free); standard helpline on card back (24x7)
Chat / Email Support
Amex India app and website chat
Mobile App
American Express India app: manage card, track MRPs, pay bills, view offers, EMI
Online Banking
Amex Online Account Services: statements, payments, redemption, offers

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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