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American Express · Amex · हिन्दी

Amex SmartEarn Credit Card: full review

The Amex SmartEarn is the best entry point into the Amex ecosystem. 10X points on Swiggy, Zomato and Amazon is exceptional.

Apply now ↗Annual fee: ₹495 + taxes
Last updated: August 2026 · Current terms verified
AMERICAN EXPRESS
AMEX
)))
SMARTEARN
ASHOK KUMAR
12/28
₹495 + taxes (waived on ₹40K spend)Annual fee
10X points on Zomato, Swiggy, Amazon; 5X on othersReward structure
NoLounge access
10X Membership Rewards on Swiggy and Zomato10X on Amazon5X on all other spendsPoints transferable to airline milesFee waived on ₹40K annual spend
Apply now ↗ Min. income: ₹4.5L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Best entry-level Amex card
✓ Strong food delivery rewards
✓ Points convert to airline miles
✓ Low fee easily waived
Cons
✗ Amex acceptance still limited in India
✗ No lounge access
✗ Points redemption complex for beginners
Quick facts
Issuer American Express
Network Amex
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹495 + taxes (waived on ₹40K spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹495
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4.5L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceAmerican Express's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Amex SmartEarn Credit Card is ₹495 + taxes (waived on ₹40K spend). The joining fee is ₹495.
10X points on Zomato, Swiggy, Amazon; 5X on others
Amex SmartEarn Credit Card is best for Entry-level Amex with strong rewards. The Amex SmartEarn is the best entry point into the Amex ecosystem. 10X points on Swiggy, Zomato and Amazon is exceptional.
The minimum income requirement for Amex SmartEarn Credit Card is ₹4.5L+ per year. A minimum credit score of 700+ is also recommended.
Yes, Amex SmartEarn Credit Card offers No.
Amex SmartEarn Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
Compare with similar cards
Amex SmartEarn vs American Express Membership Rewards Compare →Amex SmartEarn vs Axis ACE Compare →
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Amex SmartEarn₹495 + taxes
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