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American Express SmartEarn Credit Card

Name: American Express SmartEarn Credit Card
Brand: American Express
Price: 495 INR

American Express

6.7

CardTrail Score

Decent

out of 10

💰 Net Value

4.0

🔓 Accessibility

8.0

⚡ Feature Depth

3.7

🏦 Bank Trust

9.0

How we score →

Compare This Card Full Details

Annual Fee

₹495

Spend ₹40K/year

Forex Markup

3.5%

Reward Rate

0.5%

Up to 10%

Lounge Access

domestic | 0 intl

About This Card

Amex SmartEarn is the cheapest entry to the Amex ecosystem. 10X MR Points on Amazon, Flipkart, and other online platforms makes it a decent online shopping card. The Amex acceptance limitation is real though — carry a Visa/Mastercard alongside.

Pros & Cons

Pros

10X on major online platforms
Zero joining fee
Amex offers platform
Easy ₹40K fee waiver

Cons

Limited Amex acceptance in India
No lounge access
0.5% base rate
3.5% forex

Fee Details

Annual Fee

₹495

Joining Fee

Free

Fee Waiver Condition

Spend ₹40K/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

10%

Currency

Membership Rewards Points

Welcome Bonus

500 MR Points

Lounge Access

Domestic Lounges

International Lounges

Key Highlights

+ 10X MR Points on Amazon, Flipkart, Uber, Swiggy, BookMyShow
+ Zero joining fee
+ Amex brand at entry level

Compare With...

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