American Express SmartEarn Credit Card

We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.

Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.

• Read this one10X stops at 500 Membership Rewards Points a month and 5X at 250. The 10X cap is shared across Flipkart, Uber, BookMyShow and others, and a separate 500-point cap covers EaseMyTrip and Zomato together.
• Read this oneAmerican Express acceptance in India is narrower than Visa or Mastercard, particularly at smaller merchants, so this is rarely a sole card.
• Self-employed applicants need Rs. 6,00,000 a year against Rs. 4,50,000 for salaried.
• No foreign currency markup is published for this card on its product page, so the cost of spending abroad cannot be checked in advance.
• Membership Rewards Points must be redeemed deliberately and their value differs by channel; no single rupee-per-point figure applies.
• No airport lounge access on this card.

Salaried income

₹37,500 a month

Self-employed income

₹50,000 a month, per ITR

Age

21 – 65

Credit score

750+ typically

Employment

Salaried, Self-Employed