All cards / American Express
American Express SmartEarn Credit Card
A low-fee, entry-level Amex built around everyday app-based spending — 10X points on Zomato, Flipkart, Uber, BookMyShow and similar apps — but each 10X category is capped at just 500 points/month, so the bulk of spend earns only the base rate.
Annual fee
₹495
Joining fee
₹495
Reward type
points
Base reward rate
2%
Card network
Amex
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹150/monthly)
- ✈️ Travel
10% reward rate (capped ₹150/monthly)
- 🛍️ Shopping
10% reward rate (capped ₹150/monthly)
- ⛽ Fuel
0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹37,500
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹40,000
- Rewards redemption fee: No fee to transfer Membership Rewards points to airline/hotel loyalty partners; points never expire
- Foreign currency markup: 3.5%
- Interest rate: 42%–47.88% p.a.
- Fuel surcharge waiver: 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on transactions of ₹5,000 and above
- Cash advance charges: Amex does not offer a cash advance/cash withdrawal facility on this card
Benefits
- ₹500 cashback as statement credit on ₹10,000 spend within first 90 days
- Vouchers worth up to ₹1,500 on ₹2.4 lakh spend in a cardmembership year
- 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
- 10X Membership Rewards points (capped) on groceries, online shopping, cabs and movies via named partner merchants
Pros
- + Low ₹495 fee, waivable on ₹40,000 annual spend
- + 10X points on popular delivery/shopping/travel apps
- + Cashback-style welcome offer, easy to hit
Cons
- − 10X category rewards capped at 500 points/month each
- − 3.5% forex markup, not built for overseas use
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