CardIQIndia
Corroborated — 3 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
32
#104 of 173 in credit
American Express

Amex SmartEarn Credit Card

creditAmex

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value16/100 · weight 65%
≈ 0.79% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +3.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹495 + 18% GST
= ₹584 total
Annual fee
₹495 + 18% GST
= ₹584 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints1.25%(2.5 pts @ ₹0.50)——
travelpoints1.25%(2.5 pts @ ₹0.50)——
groceriespoints1.25%(2.5 pts @ ₹0.50)——
fuelpoints0.50%(1 pts @ ₹0.50)——
diningpoints0.50%(1 pts @ ₹0.50)——
all_spendspoints0.50%(1 pts @ ₹0.50)——