American Express SmartEarn Credit Card

American Express · ₹495 a year · fee waived on ₹40,000 of annual spend

American Express’s entry card, built around partner brands.

What the bank says

• 10X Membership Rewards points at Zomato, Ajio, Nykaa, BookMyShow and Uber
• 5X points on Amazon
• 1 point per ₹50 on other spends, except fuel, insurance and utilities
• ₹500 welcome cashback on ₹10,000 of spend in 90 days
• Renewal fee waived on ₹40,000 of annual spend

Things that catch people out

• American Express does not publish what a Membership Rewards point is worth, so this card is not ranked.
• No points on fuel, insurance, utilities or EMI purchases.

Joining fee: ₹495. Foreign currency markup: not published.

Read from American Express’s own page on 2026-09-12.

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