American Express SmartEarn Credit Card
An entry-level American Express card offering accelerated reward points on Flipkart, Uber, Zomato, and other everyday categories.
- Issuer
- American Express
- Card type
- Entry-Level Card
- Category
- Shopping
- Joining fee
- ₹495 + GST
- Annual fee
- ₹495 + GST
- Rewards currency
- Membership Rewards Points
Highlights
- 10X Points on Flipkart, Uber & other partners
- ₹500 Cashback Welcome Gift
- Low Annual Fee
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹495 + GST.
- Annual Fee waived on spends of ₹40,000 in a year.
- Welcome Benefit: ₹500 Cashback on spending ₹10,000 in first 90 days.
Reward earning
| Spend type | Earn rate |
|---|---|
| Flipkart, Uber, Zomato | 10X MR Points |
| Amazon, Myntra, Swiggy | 5X MR Points |
| Other Spends | 1 MR Point / ₹50 |
- Accelerated points are capped (e.g., 500 Points/month for 10X category).
Review
The most affordable way to enter the Amex ecosystem. While points are capped, the 10X categories align perfectly with modern spending habits.