American Express
Classic · SmartEarn
American Express SmartEarn Credit Card
American Express
Maximise cashback on online shopping
Annual Fee
₹495
Joining Fee
₹495
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,505
Total Annual Benefits
₹5,000
Total Annual Charges
₹495
ROI
1010%
Fee Waiver Available
Annual fee waived on spending ₹40,000 in the preceding year — ₹40,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (2)
10X MR on Amazon & Flipkart
Earn 10X Membership Rewards points on every purchase made on Amazon and Flipkart
- • Applicable on Amazon.in and Flipkart.com
10X MR points
5X MR on Other Online Spends
Earn 5X Membership Rewards points on all other online purchases
- • All online merchants except Amazon and Flipkart
5X MR points
Reward Points (1)
1X MR on Offline Spends
Earn 1 MR point per ₹50 on all offline POS transactions
1X MR points
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
American Express Membership Rewards
10X on Amazon/Flipkart, 5X on other online, 1X on offline
Effective cashback: 0.50%
Points expire: Points do not expire as long as card is active
Redemption Options
- → Statement credit (1 MR = ₹0.25)
- → Gift cards and vouchers
- → Catalogue redemption
- → Transfer to select airline partners
Bonus Categories
Amazon & Flipkart
10x multiplier
10X MR on Amazon and Flipkart
Other Online
5x multiplier
5X MR on other online spends
Offline
1x multiplier
1X MR on offline POS transactions
Milestone Bonuses
1,000 bonus MR points on spending ₹1 Lakh annually
Spend ₹1,00,000 annually
1,000 MR Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹495 All inclusive |
| Annual Fee | ₹495 All inclusive |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 3.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹4,50,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹4.5 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available Amex Offers — exclusive merchant discounts Mobile app for instant notifications
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The American Express SmartEarn Credit Card is an entry-level card designed for online shoppers. It offers an exceptional 10X Membership Rewards points...
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