Card Details
American Express SmartEarn Credit Card
Monzy Score
6.5/ 10
Good for online shoppers.
~2.5% back on top spends; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
American Express
Joining Fee
₹495
Annual Fee
₹495
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from American Express
See allEarn Points
1 MR / ₹50
on eligible spends
10X
at eligible partner merchants
5X
at Amazon
10X
on Uber and EaseMyTrip
Benefits
10X and 5X accelerated Membership Rewards with…
- Accelerated Membership Rewards points on selected online and lifestyle merchants
- 10X Membership Rewards on listed partners
5X Membership Rewards points on Amazon
- ₹500 welcome statement credit after ₹10,000 eligible spending in the first 90 days
Fuel convenience-fee waiver at HPCL services
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, insurance, utilities, cash, emi, rent
Estimated Returns
10X partners - Flipkart, Uber, Myntra, Nykaa, Ajio, PVR, BookMyShow, Blinkit
10X MR points; capped jointly at 500 points/mo (~Rs 125) for Flipkart, Uber, BookMyShow & other partners together.
₹125
10X partners - Zomato & EaseMyTrip
10X MR points; capped jointly at 500 points/mo (~Rs 125) for EaseMyTrip & Zomato together.
₹125
Amazon (5X)
5X MR points on Amazon (5 points per Rs 50); capped at 250 points/mo (~Rs 62).
₹62
All other eligible spends
Base 1 MR point per Rs 50, uncapped.
₹113
Total Annual Return
₹5,095
1.42% Effective ROIWhat Users Are Saying
Community Feed
Jul 2023
“Amex Smart Earn Card worth it ?”
by r/CreditCardsIndia, Jul 2023
“Is it wise to take American Express SmartEarn™ Credit Card?”
by r/CreditCardsIndia, Jul 2025
“is Amex smartearn card worth it?”
by r/CreditCardsIndia, Jul 2025
“Looking for American Express SmartEarn Referral (India)”
by r/amexindia, Feb 2026
“How to apply for Smart Earn”
by r/amexindia, Feb 2026
Frequently Asked Questions
The American Express SmartEarn™ Credit Card charges ₹495 plus GST as a joining fee and the same ₹495 again at renewal. American Express waives the renewal fee if you spend ₹40,000 in the previous year, which is about ₹3,333 a month. If your card spend sits below that, treat ₹495 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
No MR points on fuel, insurance, utilities, cash transactions, and specified EMI cases.
No MR points on merchant-selected EMI options (effective Feb 1, 2020); points continue on SafeKey EMI and post-purchase EMI conversions.
Accelerated reward merchant list may change over time.
Welcome and fee-waiver eligible spend excludes cash advances, express cash transactions, drafts from account, balance transfers, and fees.
The annual fee is ₹495 plus applicable taxes and can be waived with eligible spending of ₹40,000 or more in the previous cardmembership year.
HPCL fuel convenience-fee waiver percentage and limits are not stated.
