The American Express SmartEarn has a ₹495 annual fee (waived on ₹40,000 annual spend), earns 1 Membe₹hip Rewards Point For Every ₹50 and charges a 3.5% forex markup.
| Annual fee | ₹495 |
|---|---|
| Annual fee waived | On ₹40,000 annual spend |
| Base rewards | 1 Membe₹hip Rewards Point For Every ₹50 |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
1 online offers across 1 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Arrow: Get extra 10% off · till 31 Dec
These are American Express's own offers, so they apply to every American Express card, not just this one. All American Express offers by category.
More about the American Express Smartearn Credit Card
Is the American Express Smartearn Credit Card worth it in 2026?
The American Express Smartearn Credit Card offers 10X Membership Rewards on popular platforms like BookMyShow, Flipkart, Uber, Myntra, and Zomato. With an annual fee of Rs. 495 and a renewal fee waiver on spending Rs. 40,000, it is cost-effective for frequent users of these services in 2026.
Who should get the American Express Smartearn Credit Card?
This card is ideal for users who regularly shop online and use services like BookMyShow, Flipkart, Uber, Myntra, and Zomato. If you spend at least Rs. 40,000 annually, you can waive the renewal fee, making it suitable for active digital shoppers and commuters.
How to maximise rewards on the American Express Smartearn Credit Card?
To maximise rewards, use the card for all purchases on BookMyShow, Flipkart, Uber, Myntra, and Zomato to earn 10X Membership Rewards. Also, ensure you spend Rs. 40,000 annually to get the renewal fee waived, increasing your net benefits.
What purchases give the best value on the American Express Smartearn Credit Card?
Purchases on BookMyShow, Flipkart, Uber, Myntra, and Zomato offer the best value with 10X Membership Rewards. These categories deliver maximum rewards, making everyday entertainment, shopping, and commuting highly rewarding.