AMERICAN EXPRESS · CHECKED 22 OCT 2026
American Express SmartEarn Credit Card
Bank isn’t taking new applicationsBest on AJIO, Blinkit, BookMyShow and 6 more apps: 5% back.
₹495 a yearFee waived at ₹40,000 spendPaid as Membership Rewards points
Where it earns the most
AJIO5%no minimum order · up to ₹125 a month#8 of 50 cards
Blinkit5%no minimum order · up to ₹125 a month#9 of 50 cards
BookMyShow5%no minimum order · up to ₹125 a month#9 of 50 cards
Flipkart5%no minimum order · up to ₹125 a month#9 of 50 cards
Myntra5%no minimum order · up to ₹125 a month#10 of 50 cards
Nykaa5%no minimum order · up to ₹125 a month#7 of 50 cardsEverywhere else
- 5% back
PVR INOX
Uber
Zomato - 2.5% back
Amazon - 0.5% back
Airtel Thanks
Apollo 24|7
BigBasket
Cleartrip
District
Domino's
Goibibo
ixigo
JioMart
MakeMyTrip
Meesho
Reliance Digital
Swiggy
Swiggy Instamart
Tata CLiQ
Tata Neu
Zepto - Nothing back
IRCTC Rail Connect
Where another card earns more
- Airtel ThanksAirtel Axis earns more here25%vs 0.5%
- BigBasketHSBC Live+ earns more here10%vs 0.5%
- DistrictAirtel Axis earns more here10%vs 0.5%
- Domino'sHSBC Live+ earns more here10%vs 0.5%
- JioMartHSBC Live+ earns more here10%vs 0.5%
All the details: fees, points and limits in every app
- Bank
- American Express
- Network
- American Express
- Open to new applications?
- No, the bank isn’t taking new applications
- Joining fee
- ₹495
- Annual fee
- ₹495
- Fee waiver
- Renewal fee waived on eligible spends of ₹40,000 or more in the previous year of Cardmembership.
- Rewards paid as
- Membership Rewards points
- One point is worth
- ₹0.25
- How the points are used
- Credit against the card bill at 4 points per ₹1 (₹0.25 a point), the only rate Amex publishes
- Checked on
- 22 Oct 2026
Official page: American Express
| App | Reward | Min. order | Limit | Rank of 50 |
|---|---|---|---|---|
| AJIO | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #8 |
| Blinkit | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #9 |
| BookMyShow | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #9 |
| Flipkart | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #9 |
| Myntra | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #10 |
| Nykaa | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #7 |
| PVR INOX | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #4 |
| Uber | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #8 |
| Zomato | 5% as Membership Rewards points | — | Up to ₹125 per calendar month (one limit shared with the card's other apps at this rate) | #10 |
| Amazon | 2.5% as Membership Rewards points | — | Up to ₹62.50 per calendar month (one limit shared with the card's other apps at this rate) | #13 |
| Airtel Thanks | 0.5% as Membership Rewards points | — | No stated limit | #24 |
| Apollo 24|7 | 0.5% as Membership Rewards points | — | No stated limit | #36 |
| BigBasket | 0.5% as Membership Rewards points | — | No stated limit | #40 |
| Cleartrip | 0.5% as Membership Rewards points | — | No stated limit | #40 |
| District | 0.5% as Membership Rewards points | — | No stated limit | #37 |
| Domino's | 0.5% as Membership Rewards points | — | No stated limit | #40 |
| Goibibo | 0.5% as Membership Rewards points | — | No stated limit | #40 |
| ixigo | 0.5% as Membership Rewards points | — | No stated limit | #34 |
| JioMart | 0.5% as Membership Rewards points | — | No stated limit | #36 |
| MakeMyTrip | 0.5% as Membership Rewards points | — | No stated limit | #40 |
| Meesho | 0.5% as Membership Rewards points | — | No stated limit | #37 |
| Reliance Digital | 0.5% as Membership Rewards points | — | No stated limit | #35 |
| Swiggy | 0.5% as Membership Rewards points | — | No stated limit | #44 |
| Swiggy Instamart | 0.5% as Membership Rewards points | — | No stated limit | #37 |
| Tata CLiQ | 0.5% as Membership Rewards points | — | No stated limit | #37 |
| Tata Neu | 0.5% as Membership Rewards points | — | No stated limit | #37 |
| Zepto | 0.5% as Membership Rewards points | — | No stated limit | #38 |
| IRCTC Rail Connect | Fee is more than the reward | — | — | #49 |
Questions people ask
Where does SmartEarn Amex earn the most?
American Express SmartEarn Credit Card earns its highest rewards on AJIO (5% as Membership Rewards points), Blinkit (5% as Membership Rewards points) and BookMyShow (5% as Membership Rewards points).
What is the annual fee of SmartEarn Amex, and can it be waived?
SmartEarn Amex has a joining fee of ₹495 and an annual fee of ₹495. Renewal fee waived on eligible spends of ₹40,000 or more in the previous year of Cardmembership.
How much is one SmartEarn Amex point worth?
About ₹0.25 each when used as the bank shows first: Credit against the card bill at 4 points per ₹1 (₹0.25 a point), the only rate Amex publishes.
Is SmartEarn Amex still available?
No. The bank isn’t taking new applications for it, but existing cardholders keep earning as shown.
Rewards are as per American Express’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to American Express. Check the official page before applying.