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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 1.3% | 1.7% | 1.9% | 1.3% | 0.9% |
| Est. Monthly Reward (₹) | 60 | 175 | 385 | 675 | 960 |
| All-India Rewards Rank* | 15 | 15 | 16 | 69 | 133 |
| Within Bank Rank* | 1 | 1 | 1 | 2 | 2 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The American Express SmartEarn Credit Card offers 6% effective rewards on Amazon, Flipkart, & Uber and 3% on Swiggy, BookMyShow & PVR. All other spending earns 0.6%.
This card can earn you a net reward yield of 1.3 – 1.9% on monthly spends up to ₹20,000.
If you spend more than ₹20,000 a month on your card, consider American Express Platinum Travel Credit Card.
This card can earn you a net reward yield of 1.2-1.8% on all your spending.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | American Express Smart Earn Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 10 MR points / ₹50 spend (6%) on: – Flipkart – Amazon – Uber 5 MR points / ₹50 spend (3%) on: 1 MR points / ₹50 spend (0.60%) on all other spends except fuel & Utilities |
| Milestone Rewards | E-Vouchers up to ₹500 on reaching spend milestone of ₹1.2 Lacs |
| Other Rewards | Nil |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | – 500 MR points / mth (₹150) on Flipkart, Amazon
– 500 MR points / mth (₹150) on Uber – 250 MR points / mth (500 MR points / mth (₹75) on Paytm Wallet, Swiggy, BookMyShow, PVR etc. |
| Preferred Redemption Method | Redeem points on American Express Portal for e-Vouchers@ ₹0.30/ MR points |
| Card | American Express Smart Earn Credit Card | |
|---|---|---|
| Joining Fee | ₹495 + Taxes | |
| Annual Fee | ₹495 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹40,000 | |
| Income Criteria | Salaried | ₹4.5 Lacs |
| Self-employed | ₹6 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹250 | |
| Card Association | AMEX | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
