cards / starter / amex-smartearn
AmexAmexstarter

American Express SmartEarn™ Credit Card

A sensible first card for new-to-credit users and modest monthly spends.

excellent shape
health 100/100
annual fee₹ 495/yr
joining fee₹ 495
fee waiver at₹ 40,000/yr
base earn rate2 / ₹100
rewards inMembership Rewards points
welcome benefit₹ 500

✓ best for

ZomatoAmazon

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else2 / ₹100
Zomato20 / ₹100₹ 500
Amazon10 / ₹100₹ 250

benefits & perks

Welcome Gift~₹ 500/yr

Rs. 500 cashback as a Welcome Gift in form of statement credit on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership

unlocks at ₹ 10,000/yr

GIFT VOUCHERS~₹ 500/yr

Earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Cardmembership year.

run your spend profileto see this card's value for you.