Last updated: |Data verified from official bank sources
Entry
Amex SmartEarn
American Express
Best for: Entry Amex with 10X bonus categories
₹495
Annual Fee
2%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Entry Amex with 10X bonus categories
Fees & Charges
Joining Fee₹0
Annual Fee₹495
Fee WaiverSpend ₹40K annually
Rewards
TypePoints
Base Rate1 pt/₹50
Effective Return2%
Accelerated Categories
Amazon/Flipkart/Uber/Ola/Swiggy/Zomato10X (20%)cap: 5000 pts/month
Lounge Access
DomesticNone
InternationalNone
Eligibility
Minimum Income₹4.5L/year
Welcome Benefits
Benefit1000 points on first spend in 90 days
Estimated Value₹350
Available on: American Express
Frequently Asked Questions
What is the annual fee for Amex SmartEarn?▼
Amex SmartEarn has an annual fee of ₹495. Spend ₹40K annually
What rewards does Amex SmartEarn offer?▼
Amex SmartEarn offers 1 pt/₹50 on all spends, with an effective value of 0.7%.
Does Amex SmartEarn have lounge access?▼
Amex SmartEarn does not include complimentary lounge access.
What is the minimum income required for Amex SmartEarn?▼
The minimum income requirement for Amex SmartEarn is ₹4.5 lakhs per annum.
Information sourced from American Express official website. Last verified: February 2026.
⚖️
Compare with Amazon Pay ICICI Credit Card
See a detailed side-by-side comparison
More Comparisons
More from American Express
View all →
Similar Cards
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023