American Express SmartEarn Credit Card — Rewards, Fees & Value
American Express · amex · entry
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Transfer partners
Points can transfer to: taj innercircle.
Key benefits
- 10X Membership Rewards on Zomato, Flipkart, Uber, BookMyShow (cap 1,250 pts/month)
- 5X on Amazon and Paytm
- 1 MR per ₹50 on all other spends
- Annual fee ₹495, waived on ₹40,000 annual spend
- Welcome: ₹500 cashback on ₹10,000 spend in first 90 days
- Milestone vouchers ₹500 at ₹1.2L, ₹1.8L, ₹2.4L spend
Calculate your exact points value, or let the Card Finder check whether the SmartEarn belongs in your stack.
FAQs
The American Express SmartEarn Credit Card earns up to 5% effective value on dining & food delivery and 5% on online shopping. Its base rate is about 0.5%.
The SmartEarn has an annual fee of ₹495, waived on annual spends of ₹40,000 or more.
On the SmartEarn, one point is worth up to about ₹0.5 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with American Express.