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American Express

Amex SmartEarn

AmexEntryPoints
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Annual Fee

₹495

Reward Type

Points

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹495
Annual Fee₹495(waived ≥ ₹40,000)
Min Monthly Income₹25,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Category Multipliers

uber10%amazon5%swiggy5%flipkart10%bookmyshow10%

Redemption Values

vouchers₹0.25/pt
statement credit₹0.2/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

Similar Cards

Axis Play Credit Card (90%) →Axis Bank SELECT (85%) →Federal Celesta (83%) →Swiggy HDFC Bank (83%) →Kotak League Platinum (83%) →

💡 Fee Waiver Strategy

Spend just ₹40K in a year to waive renewal fee.

⚖️ Breakeven Analysis

To recover the ₹495 annual fee at the base reward rate of 1%, you need to spend ₹49,500 annually.

🎯 Pro Tips

  • ▸10X on Flipkart, Uber, BMS is massive
  • ▸5X on Amazon & Swiggy is solid secondary value
  • ▸Best entry-level Amex card

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹2,505

Effective Rate

0.2%

Ranked #130 of 173 cards#130

₹495 annual fee deducted from gross rewards value.

🏷️ Best For

shoppingentertainmentdining