American Express SmartEarn Credit Card
American Express
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Key details
Quick facts at a glance. Further down, “How this card works” spells out rewards, lounges, and fit in more detail.
Joining fee
Annual fee
Reward type
Network
Est. point value
Category earn rates
Approximate % of spend. We convert Amex points using the estimated value above; ranges add milestones or accelerators from catalog data.
Dining
Travel
Shopping
Fuel
Last updated
How this card works
Reward rules, lounge access, and who it fits best—summarized from the card information we show elsewhere on this page. Double-check anything important with your bank.
Reward rate
Lounge access
Best for
Key benefits
Highlights from the issuer listing; confirm live offers on the bank’s site.
- 10X rewards on Flipkart, Zomato, Uber, BookMyShow and more
- 5X rewards on Amazon
- ₹500 welcome cashback on ₹10,000 spend
- Milestone vouchers up to ₹1,500 annually
- Annual fee waiver on ₹40,000 spend
- Fuel surcharge waiver
Good to know
Eligibility, welcome benefits, fee waivers, and common limits. We do not list internal catalog or partner-only fields—always confirm with your bank before you apply.
- Eligibility
- ₹4.5L+ income (approx., varies by profile)
- Welcome offer
- ₹500 cashback on ₹10,000 spend in first 90 days
- Milestone rewards
- Spend
- 120000
- Reward
- ₹500 voucher
- Spend
- 180000
- Reward
- ₹500 voucher
- Spend
- 240000
- Reward
- ₹500 voucher