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American Express SmartEarn Credit Card
American Express
The accessible entry point into Amex specifically — lowest fee in the lineup, real category multipliers on popular apps.
₹495
Joining fee
₹495, waived at ₹40k spend
Annual fee
Renewal fee waived if eligible spend was Rs 40,000+ in the previous cardmembership year (official).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Minimum income: ₹37,500/month
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Employed: Rs 4.5 lakh+ personal annual income; self-employed: Rs 6 lakh+ (official).
Lounge access
0 domestic / 0 international / 0 railway visits per year
Key features
- 10X points at Zomato/Ajio/Nykaa/BookMyShow/Uber
- 5X at Amazon and other 5X partners (both subject to monthly caps)
- ₹500 welcome cashback at ₹10k spend in first 90 days
Reward details
1X points (Rs 50 = 1 point) on all other eligible spend
- 10X points (Rs 50 = 10 points) on Zomato, Ajio, Nykaa, BookMyShow, Uber — 500 bonus points/month
- 5X points (Rs 50 = 5 points) on Amazon — 250 bonus points/month
Welcome bonus: Rs 500 cashback/gift on Rs 10,000 spend within 90 days
- Rs 1.20 lakh / Rs 1.80 lakh / Rs 2.40 lakh annual spend: Rs 500 gift voucher at each milestone
Redemption
e-vouchers, Shop with Points, Travel with Points, pay card dues with points.
Excluded from rewards: fuel, insurance, utilities, cash transactions, EMI conversions at point of sale
Real-world feedback
Not found — Paisabazaar page contains no user complaints, praise, or testimonials; purely informational.
Sources
- Official — fees, eligibility, rewards, lounge
- Aggregator — forex commentary