CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
American Express

Amex SmartEarn Credit Card

33
Ranked #74 of 170 in credit
creditAmex

Amex's entry-level rewards card offering accelerated points on major online platforms (Flipkart, Amazon, Uber, Swiggy) at a low fee, though accelerated earning is tightly capped.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value21/100 · weight 71%
≈ 1.04% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
No rewards on: utilities, insurance. Reward score is scaled by ×(1 − 0.9%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks1/100 · weight 9%

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
Waiver: Annual fee waived on annual spend of Rs 40,000
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_shoppingpoints3.00%(10 pts @ ₹0.30)₹500 / monthly10X on Flipkart, Uber, BookMyShow etc, capped 500 pts/month combined
groceriespoints1.25%(2.5 pts @ ₹0.50)——
online_spendspoints1.25%(2.5 pts @ ₹0.50)——
travelpoints1.25%(2.5 pts @ ₹0.50)——
all_spendspoints0.60%(2 pts @ ₹0.30)—1 MR pt/Rs 50 base rate; excludes fuel/insurance/utilities/cash/EMI
diningpoints0.50%(1 pts @ ₹0.50)——
fuelpoints0.50%(1 pts @ ₹0.50)——

Welcome offer

Rs 500 cashback as statement credit on spending Rs 10,000 within first 90 days

Milestone benefits

Pros

  • 10X points (~4% effective) on Flipkart, Amazon, Uber, BookMyShow and other partners
  • 5X on Paytm Wallet, Swiggy, Myntra, PVR
  • low fee, easy waiver at Rs 40K spend
  • welcome cashback + 3 milestone vouchers

Cons

  • 10X/5X categories tightly capped (500 pts/month combined for 10X, 250 for 5X - only ~Rs 750/month max from accelerated categories)
  • base rate outside partners just 2% (1 pt/Rs 50)
  • no fuel/insurance/utility/cash rewards
  • limited Amex merchant acceptance
  • only available in select cities

What's inside

More benefits

  • Welcome cashback

    ₹500

    Rs 500 statement credit on Rs 10,000 spend

    Cap ₹500 / one-time. Within first 90 days

Insurance cover

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Eligibility

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Indian resident in select Tier-1/2 cities; salaried min income Rs 4.5 lakh/annum, self-employed similar

Small print

Fuel surcharge:1% convenience fee on fuel purchases Rs 5,000+