Amex • Amex

American Express SmartEarn Credit Card

Name: American Express SmartEarn Credit Card
Brand: Amex
SKU: american-express-smartearn
Price: 495 INR
Availability: InStock

For a credit card that suits your transportation, shopping, and entertainment needs then the American Express SmartEarn Credit Card is a great fit.

Annual Fee₹495Check issuer terms

Base Reward0.5%On all spends

Lounge AccessNoNo lounge access listed

Est. Annual Savings₹1,905Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Monthly spend

₹30,000 / mo

₹3,60,000 / year

Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹495

Check issuer terms

Net value₹1,305

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault

0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

American Express SmartEarn Credit Card is best positioned as a shopping specialist rather than a universal all-spend card.
Its current reward model is anchored around 0.5% on base-aligned lanes, while broad base return remains closer to 0.5%.
No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

Route this card to shopping spends first, then shift spillover transactions to stronger category alternatives.
Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
Maintain break-even discipline against the annual fee of INR 495 and reduce allocation if annual net value weakens.

Watchouts

cashback realization depends on eligible spend classification and exclusions
No complimentary lounge access is currently mapped for this card.
Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

Joining fee₹495
Annual fee₹495
Waiver thresholdNot listed
Cap typenone
Cap resetnone
Last verified2026-02-12

Redemption Truth

Cash value/point₹1
Travel value/pointNot listed
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12

Lounge Truth

NetworkAmex
Domestic count0
International count0
Quarterly limitNot listed
Airport-terminal rows0
Policy check2026-02-10

Reliability + Outcomes

Verification statusverified
Freshness days1
Source conflicts0
Applied reports12
Approval reports7

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

American Express Membership Rewards

Annual fee: ₹4500

Shared focus: ShoppingHigher product tier within same bankHigher top earn rate (1.5%)

View Details

Step 2

Amex SmartEarn

Annual fee: ₹495

Shared focus: ShoppingHigher top earn rate (5.0%)Estimated +₹2,319/yr value

View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for American Express SmartEarn Credit Card using your current month spend.

Your current spend (month)Detected threshold

₹0 spent₹2,500 target

Policy signal used: On Spending ₹2500 in a month on our 10X Partner (Flipkart or Amazon), you will earn 500 Membership Rewards points.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

American Express SmartEarn Credit Card
On Spending ₹2500 in a month on our 10X Partner (Flipkart or Amazon), you will earn 500 Membership Rewards points.

Things to Consider

Reward caps and exclusions apply
Issuer terms may change

About American Express SmartEarn Credit Card

American Express SmartEarn Credit Card is a cashback card from Amex, best for travel & lounge access. It is tagged under shopping categories in our database.

Shopping