American Express SmartEarn Credit Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 10X MR Points per ₹50 (10X Membership Rewards Points on Flipkart, Amazon, and Uber (max 500 bonus points per merchant/month))
Overview
American Express SmartEarn Credit Card by American Express provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 10X MR Points per ₹50 (10X Membership Rewards Points on Flipkart, Amazon, and Uber (max 500 bonus points per merchant/month))
- • 5X MR Points per ₹50 (5X Membership Rewards Points on Swiggy, Zomato, BookMyShow, Myntra, Blinkit, and Paytm Wallet (max 250 bonus points/month))
- • 1 MR Point per ₹50 (1 MR Point per ₹50 on all other retail transactions)
- • Accelerated Rewards: 10X MR Points on Flipkart, Amazon, and Uber + 5X MR Points on Swiggy, Zomato, BookMyShow, Myntra, Blinkit, Paytm.
- • Excluded Categories: Fuel, Insurance, Cash advance
Welcome Benefit
₹500 cashback upon spending ₹10,000 within first 90 days of card setup; Qualification Criteria: Spend ₹10,000 within first 90 days; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹40,000 (Annual): Annual renewal fee waiver of ₹495 + GST; Spend ₹1.2 Lakhs (Annual): ₹500 gift voucher on spending ₹1.2 Lakhs in a card year; Spend ₹1.8 Lakhs (Annual): Additional ₹500 gift voucher on spending ₹1.8 Lakhs; Spend ₹2.4 Lakhs (Annual): Additional ₹500 gift voucher on spending ₹2.4 Lakhs; Annual Fee Waiver: Spend ₹40,000 or more in preceding card year for annual renewal fee waiver
Redemption
- • Redeem for Amazon, Flipkart, Taj vouchers or statement credit
- • Transfer to Marriott Bonvoy or airline frequent flyer partners
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month (0% at HPCL / BPCL / IOCL))
- Zero Lost Card Liability: Complete fraud protection with zero liability on fraudulent charges reported immediately. (Zero fraud liability) [Partners: American Express]
Things to Know Before you apply
American Express SmartEarn Credit Card Eligibility Criteria
- Age: 21–65 years
- Gross Annual Personal Income ₹4,50,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹495 |
| Annual Fee | ₹495 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.5% (min ₹250) |
Fee waiver: Spend ₹40,000 or more in preceding card year for annual renewal fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
American Express SmartEarn Credit Card issued by American Express is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 10X MR Points per ₹50 (10X Membership Rewards Points on Flipkart, Amazon, and Uber (max 500 bonus points per merchant/month))
- • 5X MR Points per ₹50 (5X Membership Rewards Points on Swiggy, Zomato, BookMyShow, Myntra, Blinkit, and Paytm Wallet (max 250 bonus points/month))
- • 1 MR Point per ₹50 (1 MR Point per ₹50 on all other retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹495
- • Reward exclusion on fuel purchases and wallet load transactions
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- • ₹500 cashback upon spending ₹10,000 within first 90 days of card setup
- • Qualification Criteria: Spend ₹10,000 within first 90 days
- • Fulfillment Timeline: 30 days post criteria completion
- • 2,000 bonus Reward Points upon spending ₹5,000 within first 60 days
- • Qualification Criteria: ₹5,000 retail spend within 60 days of card setup
- • Fulfillment Timeline: 45 days
- • 500 CashPoints on payment of joining fee
- • Qualification Criteria: Joining fee realization
- • Fulfillment Timeline: 30-45 days post fee realization
- • Base Rewards: 10X MR Points per ₹50 (10X Membership Rewards Points on Flipkart, Amazon, and Uber (max 500 bonus points per merchant/month))
- • 5X MR Points per ₹50 (5X Membership Rewards Points on Swiggy, Zomato, BookMyShow, Myntra, Blinkit, and Paytm Wallet (max 250 bonus points/month))
- • 1 MR Point per ₹50 (1 MR Point per ₹50 on all other retail transactions)
- • Accelerated Rewards: 10X MR Points on Flipkart, Amazon, and Uber + 5X MR Points on Swiggy, Zomato, BookMyShow, Myntra, Blinkit, Paytm.
- • Excluded Categories: Fuel, Insurance, Cash advance
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Accelerated Rewards: Up to 5% savings on HPCL fuel purchases (2.5% cashback + 2 Reward Points per ₹100 + 1% surcharge waiver via ICICI POS)
- • Excluded Categories: Non-HPCL petrol pumps
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Accelerated Rewards: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (max 2,500 CashPoints per calendar month)
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 10X MR Points per ₹50 (10X Membership Rewards Points on Flipkart, Amazon, and Uber (max 500 bonus points per merchant/month))
- • 5X MR Points per ₹50 (5X Membership Rewards Points on Swiggy, Zomato, BookMyShow, Myntra, Blinkit, and Paytm Wallet (max 250 bonus points/month))
- • 1 MR Point per ₹50 (1 MR Point per ₹50 on all other retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent at HPCL fuel stations)
- • 2 ICICI Reward Points per ₹100 (2 points per ₹100 spent on general retail)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 CashPoint per ₹150 (1 CashPoint per ₹150 on retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹495
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions