# American Express Smartearn Credit Card

**Best for:** Frequent online shoppers and travelers

**Think twice if:** Low spenders or infrequent users

**Key strengths:** 10X rewards on popular shopping platforms · Welcome cashback of Rs.500 on signup · Fee waiver with Rs.40000 annual spending

## Fees

- **Annual Fee:** Annual Fee of Rs. 495
- **Fee Waiver:** Spend Rs.40000 For Renewal Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 10X Membership Rewards on Nykaa
- **Welcome Benefit:** Rs.500 Cashback As Welcome Gift

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