Skip to content
Compare Cards
Amex SmartEarn credit card

American Express

Amex SmartEarn Credit Card

Best for online-shopping, lifetime-free

Lifetime free · 10x rewards

Amex Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

10x

Min. income

₹4,50,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹4.50 lakh/yr · CIBIL 650+

Reward cap

₹1,000/month

Welcome benefit

Monthly bonus milestones

Who is this for

  • Online shopper
  • Fee-averse spender

What we like

  • Lifetime free card
  • 10x on online shopping (capped)

Watch out for

  • ₹1,000 late-payment fee
  • 3.5% cash-advance fee

Issuer

Bank

American Express

Foreign bank

All American Express cards →

Headquarters

Gurugram, Haryana

Established 1972

Toll-free

1800-419-3344

Website

www.americanexpress.com/en-in

Network

Amex

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 Lifetime free
Late payment ₹1,000 Not waivable
Cash advance 3.5% of amount Not waivable
Forex markup Not published Not waivable

Rewards

Spend category Rate Cap Redemption
ONLINE 10.00 ₹1,000/month 0.50
SHOPPING 10.00 ₹1,000/month 0.50
All spends 1 MR Point per ₹20 on Amazon; 1 MR Point per ₹50 on Flipkart; 0.5 MR Point per ₹50 on others Up to 1,000 bonus MR points per month on milestones 1 MR Point ≈ ₹0.50

Benefits

  • Domestic lounge access

    Limited

  • International lounge access Highlight

    Limited

  • Milestone benefits Highlight

    Monthly bonus milestones

  • Fuel surcharge waiver

    Yes at HPCL

Eligibility

Age
18–65 years
Min. income
₹4,50,000
Min. credit score
650+
Employment
Salaried, self-employed, student
Documents
PAN, Aadhaar, income proof

Amex SmartEarn Credit Card is an Amex credit card from American Express. It is best suited for online-shopping, lifetime-free.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 10X on Amazon/Flipkart (cap); 5X on others

Eligibility

PAN, Aadhaar, income proof

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Apply for Amex SmartEarn Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Amex SmartEarn Credit Card worth it?
Amex SmartEarn Credit Card is a credit card issued by American Express. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Amex SmartEarn Credit Card?
Amex SmartEarn Credit Card is a lifetime-free card with no annual or joining fee.

How does the Amex SmartEarn Credit Card reward rate work?
Amex SmartEarn Credit Card earns 10x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the Amex SmartEarn Credit Card?
To qualify for Amex SmartEarn Credit Card, you typically need: minimum annual income ₹4,50,000; CIBIL score of 650+; Salaried / self-employed / student only. The eligibility tile on this page has the full published criteria.

Does the Amex SmartEarn Credit Card offer airport lounge access?
Limited

What is the forex markup on the Amex SmartEarn Credit Card?
Forex markup details for Amex SmartEarn Credit Card are not published on FinWiz24.

← All credit cards · All American Express cards · All Amex cards