American Express SmartEarn Credit Card
American Express SmartEarn Credit Card from American Express is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 495 | Reward type: Reward Points | Best for: Shopping, Flipkart, Uber
Estimated value per Rs 100 of eligible spend.
American Express SmartEarn Credit Card Overview
American Express SmartEarn Credit Card is an American Express credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like flipkart, uber, bookmyshow along with caps and exclusions.
Best For
American Express SmartEarn Credit Card is most useful when your spends regularly fall into flipkart, uber, bookmyshow.
Rewards
flipkart
10x the base reward rate.
Monthly cap: Rs 2,500
uber
10x the base reward rate.
Monthly cap: Rs 2,500
bookmyshow
10x the base reward rate.
Monthly cap: Rs 2,500
Myntra
10x the base reward rate.
Monthly cap: Rs 2,500
partner brands
10x the base reward rate.
Monthly cap: Rs 2,500
zomato
10x the base reward rate.
Monthly cap: Rs 2,500
travel
10x the base reward rate.
Monthly cap: Rs 2,500
Not Good For
- Spends in excluded categories such as fuel, insurance, utility bills, cash transactions, emi conversions.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 500.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 1,20,000 in a yearly period for benefit value around Rs 500.
- Spend Rs 1,80,000 in a yearly period for benefit value around Rs 500.
- Spend Rs 2,40,000 in a yearly period for benefit value around Rs 500.
Zlash Verdict
Choose this card when shopping, flipkart, uber match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of American Express SmartEarn Credit Card?
The listed annual fee is Rs 495.
What is American Express SmartEarn Credit Card best used for?
American Express SmartEarn Credit Card is most useful when your spends regularly fall into flipkart, uber, bookmyshow.
Does American Express SmartEarn Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel, insurance, utility bills, cash transactions, emi conversions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.