American Express SmartEarn Credit Card

  • Joining Fee: Rs. 495 + GST
  • Renewal Fee: Rs. 495 + GST
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Direct cashback of Rs. 500 on spends of Rs. 10,000 or more within the first 90 days of card issuance.
Add to Compare

American Express SmartEarn credit card is a Reward Points-based credit card. Membership Reward Points can be earned while you make retail purchases using your credit card, and accelerated Membership Reward Points can be achieved while you spend on some specific website or brands like Amazon, Flipkart and Uber.  It is a decent card for beginners, at least as far as American Express cards are concerned. You can also get the annual membership fee waived if you spend more than Rs. 40,000 within a year. It is worth considering if you’re a young professional and want to carry an American Express card in your wallet for its brand value. Read on more to learn about the American Express SmartEarn Credit Card.

New Features

Spend Based Waiver

Annual renewal fee waived on spends of Rs. 40,000 in the previous year.

Interest Rates

3.5% per month

Add-on Card Fee

1 complimentary add-on card, Rs. 250/card thereafter.

Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waiver at HPCL fuel stations on transactions exceeding Rs. 5,000.

Foreign Currency Markup

3.50% on international transactions

Cash Advance Charges

3.5%, subject to a minimum amount of Rs. 250

Movie & Dining

5X Membership Rewards Points on spends with BookMyShow, Swiggy and PVR Cinemas.


10X Reward Points on spends on Uber (max cap of 500 Points)

International Lounge Access


Rewards Rate

1 Membership Reward Point/Rs. 50 spent (with a few exceptions), accelerated Reward Points on Amazon and Flipkart (10X), Uber (10X) and on other merchants like Paytm, Swiggy, PVR, etc (5%).



Insurance Benefits

Zero cost liability if loss of card reported within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.

Reward Redemption

Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.

Domestic Lounge Access


Zero Liability Protection

Zero cost liability on reporting the loss of card within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.


This card comes at a low joining fee of just Rs. 495. This is very attractive, especially for first-time credit card holders. This card is very beneficial for people who use Amazon, Flipkart and Uber, as it offers 10X reward points on purchases made from these platforms.


There isn’t any domestic or international lounge access with the American Express SmartEarn Credit Card.  It is primarily a credit card for shopping and doesn’t provide many additional benefits.

Similar Cards

Add to Compare

Slice Super Card

Slice Super Card is a BNPL (Buy Now Pay Later) card by the fintech startup Slice in partnership with Visa and its banking partner, the SBM Bank. The Slice card allows you to split (slice) your monthly spends into three and settle the payment in installments over the period of the next three months. Slice Card is a lifetime free card– no joining/renewal fee applicable. You also earn rewards on your Slice Super Card. Slice Card earns you Reward Points as monies that are redeemable for cashback. You earn 1 monies for every Re. 1 spent with your Slice Super Card. The rate of redemption of monies for cashback varies depending upon the number of monies available in your account at the time of redemption (more details later). Since Slice Super Card is an entry-level BNPL card and is one of the most popular Fintech Credit Cards in the country. You do not get any additional privileges like airport lounge visits or insurance cover that you expect from a regular credit card, especially in the mid-range and premium segments. Keep reading to know more about the Slice Super Card.

View More
Add to Compare

Yes Bank RuPay Credit Card

Yes Bank has a great range of credit cards across different categories, ranging from entry-level to premium cards. Recently, the bank has come up with its RuPay credit card in line with RBI’s announcement that citizens can link their RuPay credit cards to UPI apps and make payments. All major card issuers have a diverse range of RuPay cards and Yes Bank joins them with this offering. The Yes Bank RuPay credit card is a complimentary offering that you can get when applying for another Yes Bank card, and is available only in the virtual version. The card is lifetime free and offers the convenience of UPI payments along with accelerated reward points on UPI spends. To know more about the Yes Bank RuPay credit card and its offerings, keep reading our article.

View More
Add to Compare

Indusind Bank Iconia Amex Credit Card

IndusInd Iconia Amex Credit card is launched by the bank with an aim to provide its customers with multiple benefits on one card. With a joining fee of Rs. 3,500, you get exciting welcome benefits under various categories with this credit card. Furthermore, you earn 1.5 reward points on every Rs 100 spent on weekdays and 2 reward points on every Rs. 100 spent on weekends. You can redeem these points across various redemption options such as Statement cash, AirMiles, IndusMoments. You also get a complimentary priority pass membership with access to over 1,000 lounges worldwide. Several other entertainment and lifestyle benefits are associated with this card, such as 1+1 offers on movie bookings, complimentary golf benefits, 24×7 concierge service, and auto assistance. Read below to know more in detail about this credit card.

View More