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.
Rates and fees last verified 19 July 2026.
Annual fee
₹495
Joining fee
₹495
Reward type
points
Base reward rate
2%
Card network
Amex
Card tier
Entry
Reward rates by category
- Dining10% (capped ₹150/monthly)
- Travel10% (capped ₹150/monthly)
- Online shopping10% (capped ₹150/monthly)
- Other10% (capped ₹150/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹37,500
- Employment: salaried, self-employed
- Age: 18–65
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
Applying takes you to American Express's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.