Amex SmartEarn
American Express · Amex
Amex SmartEarn offers 10X on online and 5X on dining with a low annual fee, making it a great starter Amex.
Annual Fee
₹495
Base Reward Rate
1X
Point Value
₹0.5/pt
Min CIBIL
650
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
5X
Travel
1X
Shopping
1X
Online
10X
Grocery
1X
Fuel
1X
Utilities
1X
Other
1X
Pros
- 10X on Flipkart, Amazon, Uber
- 5X on dining
- Low annual fee Rs 495
- Membership Rewards conversion
- Gold Collection upgrade path
Cons
- Amex acceptance limited in India
- No lounge access
- Low base reward rate
Redemption Options
Amazon vouchers
Good₹0.5/pt
Flipkart vouchers
Good₹0.5/pt
Statement credit
Standard₹0.3/pt
Ready to Apply?
Apply directly on the American Express website. Takes about 10 minutes.
