American Express SmartEarn
Updated on July 28, 2026 · Author: Team PaisaSimple
🎖️Reward Rate
10X rewards on Zomato, Flipkart & Nykaa
Overview
American Express SmartEarn is the easiest card for new users to earn real money back directly on daily shopping, Swiggy, Zomato & Flipkart.
Rewards
Reward Type
Cashback
Reward Rate
10X rewards on Zomato, Flipkart & Nykaa
Welcome Benefit
Welcome gift vouchers worth up to ₹1,000 on card activation
Milestone Benefit
Bonus reward points on annual spend milestones
Redemption
Redeem points for air miles, gift vouchers, or statement credit
Benefits
- 10X MR points on Zomato, Flipkart & Nykaa purchases
- 🎬 Free Movie Ticket Discounts: Get Buy-1-Get-1 FREE movie tickets or 25% instant savings on BookMyShow
- Fee waiver on ₹40,000 annual spend
- 🎁 Free Welcome Gift: Get ₹500 to ₹1,500 in free Amazon shopping gift vouchers upon card activation
Things to Know Before you apply
American Express SmartEarn Eligibility Criteria
- Age: 21–65 years
- Minimum net monthly income of ₹25,000 (salaried) or ₹6 Lakh ITR (self-employed)
- Salaried / Self-Employed
American Express SmartEarn Customer Care
- Toll Free: 1800 266 4332
- Landline: 022-6160 6161
- Concierge Service: 1800 258 4444
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹495 |
| Annual Fee | ₹495 |
Fee waiver: ₹495 / year (Fee waived on annual spend milestone)
PaisaSimple Review
Overall Rating
What do we like about this card?
American Express SmartEarn is the easiest card for new users to earn real money back directly on daily shopping, Swiggy, Zomato & Flipkart.
Pros
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
Cons
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
Compare with Similar Cards
Joining Fee
₹495
Annual/Renewal Fee
₹495
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹2,999
Annual/Renewal Fee
₹2,999
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • Welcome gift vouchers worth up to ₹1,000 on card activation
- • 10X rewards on Zomato, Flipkart & Nykaa
- • 2 PAYBACK points per ₹100 spent
- • 10X on online spends above ₹20K/month
- • 4 reward points per ₹150 spent
- • 4 reward points per ₹150 spent
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • Strong rewards rate
- • Good merchant partnerships
- • Low annual fee waiver threshold.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.
- • High annual fee unless spend threshold is met
- • Reward redemption fee applies.