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American Express India / Independent card guide

American Express SmartEarn Credit Card

American Express SmartEarn Credit Card by American Express India: current issuer links and the product terms that matter before you apply.

Official issuer source linkedNumbers appear only when the source supports them

Illustrative card face used consistently across the catalogue.

What's in it for me?

A clean view of the terms worth comparing.

Earn Accelerated Membership Rewards points when you spend on Amazon, Flipkart, Uber, BookMyShow, Zomato, EaseMyTrip and many more.

01

Rewards and useful benefits

Earn Accelerated Membership Rewards points when you spend on Amazon, Flipkart, Uber, BookMyShow, Zomato, EaseMyTrip and many more.

  • 10X Membership Rewards points on eligible spends at specific partners.
  • 5X Membership Rewards points on Amazon.
  • 1 Membership Rewards Point for every Rs. 50 spent except on exclusions.
  • 24X7 Card Related Assistance
  • Dispute Resolution
  • Zero Lost Card Liability
  • Emergency Card Replacement
  • Contactless Payment
  • Fuel Convenience Fee Waiver at HPCL
02

Fees and renewal

Annual
₹495
Waiver
Get a renewal fee waiver on eligible spends of Rs.40,000 and above in the previous year of Cardmembership.
03

Published eligibility

Income
Personal Annual Income of INR 4.5 lakhs and above for employed or INR 6 lakhs and above for self-employed.
Age
over 18 years
Employment
Self-employed or employed.
04

Four lines to check before you apply

  • The joining fee, annual fee, GST and the exact annual-fee waiver rule.
  • The reward value after redemption—not just the number of points earned.
  • Monthly caps, excluded merchant categories and whether UPI transactions qualify.
  • Your eligibility, the final application offer and the issuer’s current terms.

Before you apply

Open the live issuer terms.

Match the card name, fees and joining offer on the application screen with this guide. If any number differs, the issuer's live application terms are the ones that apply.

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