American Express
American Express SmartEarn Credit Card
Your rating
Community rating
Joining Fee
₹495
Annual Fee
₹495
Reward Rate
2% – 10%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
2% – 10%
Earn rate
2
Points / ₹100
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- cash advances
- express cash transactions
- balance transfers
- fees
- fuel
- insurance
- utility bills
- cash transactions
- EMI conversion at point of sale
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- One of the best low-fee Amex entry cards
- Strong rewards on popular online brands
- Very easy annual fee waiver milestone
- Amazon milestone vouchers improve overall value
- Excellent Amex customer service experience
- Good beginner-friendly rewards card
- Reward Multiplier and Amex Offers increase savings potential
- No airport lounge access
- Acceptance is lower than Visa/Mastercard at some merchants
- Reward redemption options are more limited than premium Amex cards
- Forex markup is high for international spending
- Best rewards limited to selected partner brands
- No major travel or premium lifestyle benefits
- Reward exclusions apply on fuel, wallet loads & EMI transactions
Who is this card for?
Regular Amazon shoppers and Swiggy food delivery users who want premium Membership Rewards Points at a sub-₹500 annual fee. The 10% effective rate on partner platforms is unmatched in this fee bracket.
Quick Links
Data last updated 31 Mar 2026