shoppingCo-brandAmerican ExpressEntryActive
American Express SmartEarn Credit Card
American Express
Joining Fee₹495Renewal Fee₹495Waived at ₹40,000 annual spend
Last verified: 26 Sept 2026
Reward Program
Membership Rewards Points1 point = ₹0.58
| Category | Earn Rate | Monthly Cap |
|---|---|---|
dining | 11.6% | ₹500/monthly |
entertainment | 11.6% | ₹500/monthly |
shopping | 5.8% | ₹250/monthly |
| All other spends | 1.16% | No cap |
Redemption fee: 0
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Managed via American Express Membership Rewards
Transfer partners
The 24 Karat Gold Collection at 24,000 Membership Rewards points → a Taj voucher worth ₹14,000, which is ₹0.583 a point and the strict Rule 5 maximum of Amex's own published table.The same 24,000 points → a Shoppers Stop voucher worth ₹10,000 (₹0.417), a Tata CLiQ or Tanishq voucher worth ₹9,000 (₹0.375), or an Amazon, Flipkart or Reliance Digital voucher worth ₹8,000 (₹0.333) — the commonest choices pay 43% less than the Taj option.The 18 Karat Gold Collection at 18,000 points → a Taj voucher worth ₹9,000 (₹0.50), or Amazon and Flipkart at ₹6,000 (₹0.333).Transfer to airline and hotel loyalty programmes — Amex names this as a redemption route but publishes neither the partner list nor the ratios outside account login.Pay with Points against eligible purchases, at statement level or at point of sale. No rupee rate is published for this channel.
Live Offers
No active offers for this card right now.
Benefits
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Fuel Surcharge Waiver
None. American Express withdrew Membership Rewards earning on fuel effective 12 June 2025 and levies a 1% convenience fee on fuel transactions above ₹5,000. There is no surcharge waiver on any card in this range.
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Welcome Benefit
A welcome gift on payment of the annual fee and spending ₹10,000 within 90 days of cardmembership.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹495/yr |
| Renewal Fee | ₹495/yr |
| Fee Waiver | Spend ₹40,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 42% p.a. |
| Cash Advance Fee | 3.5% of the cash advance amount, subject to a minimum of ₹250. |
| Reward Redemption Fee | 0 |
