American Express SmartEarn Credit Card

Name: American Express SmartEarn Credit Card
Brand: AMEX
Price: 495 INR
Availability: InStock

AMEX · AMEX★4.0/ 5

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✓ Details last verified 1 Jan 2026

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Card name

American Express SmartEarn Credit Card

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This card is the property of AMEX. If found, please return to the nearest AMEX branch. Use subject to the issuer's terms.

AMEX

American Express SmartEarn Credit Card back

↻ Hover or tap the card to flip

Reviewed by CardAdvisor Editorial Team· Last verified 1 Jan 2026· How we research

At a glance

₹495

Joining fee

₹495

Annual fee

—

Fee waiver

Best reward rate

₹15,000/mo

Min income

Rewards by category

What you earn on every rupee, per spend category.

Category	Type	Rate	Monthly cap
Online Shopping	reward points	5%	₹500
Other	reward points	1%	—

Online Shopping: 10x Membership Rewards on online spends · Amazon,Flipkart

Other: 1% base value on other spends

Fees & charges

The numbers that matter beyond rewards — verify on the issuer site before applying.

—

Finance charge (APR)

3.5%

Forex markup

—

Cash advance fee

—

Add-on card fee

—

Fuel surcharge waiver

—

Rent payment fee

—

Reward redemption fee

Who is this card for?

🌱Entry tier — great for first-time and lower-spend users.
🎯Strongest value if you spend heavily on Online Shopping (5% back).

Eligibility & documents

Min. income₹15,000/mo

What your amex membership rewards are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Pay with points

Statement credit — lowest value

₹0.25/pt

Travel & gift vouchers

Flights, hotels, voucher catalogue

₹0.50/pt

Airline / hotel transferBEST

Best value via partner programs

₹1.00/pt

✈ TRANSFER PARTNERS

🏨 Marriott Bonvoy (1:1)✈ Singapore KrisFlyer (2:1)✈ British Airways Avios (2:1)

🔥 Live offers on this card

2 live

Transfer bonuses and promos running right now for this card's rewards.

✈

25% bonus to Marriott Bonvoy

Festive transfer bonus: move Membership Rewards to Marriott Bonvoy with 25% extra points for free-night redemptions.

Ends 2026-07-10 · view offer ↗

✈

30% bonus to Singapore KrisFlyer

Transfer Membership Rewards to KrisFlyer with a 30% bonus — sweet-spot redemptions on Singapore Airlines business class.

Ends 2026-07-20 · view offer ↗

See your best move with these points →

SOURCES & VERIFICATION

Fees, reward rates, and benefits for the American Express SmartEarn Credit Card are taken from AMEX's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →