American Express SmartEarn
by American Express · Data verified 2 days ago
Lifetime free Amex card with 10X points on Flipkart, Uber, BookMyShow, Amazon. 5X on Swiggy, Zomato. Best free Amex card.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10X Membership Rewards Points on Flipkart and Uber (capped at 500 MR points per month)
- 5X Membership Rewards Points on Amazon, Swiggy, BookMyShow, Blinkit, Cleartrip, and Urban Company (capped at 250 MR points per month)
- ₹500 cashback on spending ₹10,000 in the first 90 days of card issuance
- Annual renewal fee of ₹495 easily waived on annual spends of ₹40,000 or more
- Up to ₹1,500 in additional vouchers on annual spend milestones (₹500 voucher each at ₹1.2L, ₹1.8L, and ₹2.4L)
Things to Consider
- Accelerated 10X (500 pts) and 5X (250 pts) points have strict monthly caps
- No complimentary domestic or international airport lounge access
- Amex network acceptance is lower at small offline merchant outlets compared to Visa/RuPay
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce - Flipkart BONUS | 10 pts/₹100 | 10X MR on Flipkart (cap 500 pts/month, combined with other 10X partners) (Cap: 500/mo) |
| Shopping - Amazon BONUS | 5 pts/₹100 | 5X MR on Amazon (cap 250 pts/month) (Cap: 250/mo) |
| Dining | 2 pts/₹100 | 1 MR per Rs. 50 on dining |
| Shopping | 2 pts/₹100 | 1 MR per Rs. 50 on other shopping |
| Fuel | — | 0% convenience fee on HPCL fuel transactions below Rs. 5,000; no MR on fuel |
Fuel Savings
₹0/mo
Lost Card Cover
₹0
Movies
- •10X Membership Rewards points on BookMyShow and PVR
Dining
- •10X Membership Rewards points on Zomato
Shopping
- •10X on Flipkart (cap 500 pts/month)
- •5X on Amazon (cap 250 pts/month)
- •10X on Ajio, Nykaa, BlinkIt, Myntra
- •5X on Swiggy
- •10X on Uber
Travel
- •10X Membership Rewards points on EaseMyTrip
Partner Benefits
- •10X Membership Rewards Points on Flipkart and Uber (max 500 MR points per calendar month)
- •5X Membership Rewards Points on Amazon, Swiggy, BookMyShow, Blinkit, Cleartrip, Urban Company (max 250 MR points per month)
Special Offers & Features
- •Access to Amex Offers for cashbacks, discounts, and bonus points
- •0% convenience fee on HPCL fuel transactions below ₹5,000; specific fees for higher amounts and other merchants
EMI Options
- •EMI conversion available on transactions above ₹5,000
- •Tenures of 3, 6, 9, 12, 18, 24 months with competitive interest rates
Reward Transfer Partners
Marriott Bonvoy
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to American Express's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on American Express SmartEarn
Air India: 10X Rewards on Flight Bookings with Amex
Earn up to 10X Membership Rewards points on Air India flight bookings. Valid for Centurion and Platinum cardholders.
Valid for American Express Centurion and Platinum cardholders only. Points credited within 120 days.
MakeMyTrip
Experience luxury travel with American Express Cards on MakeMyTrip. Enjoy a flat 10% instant discount up to ₹3,000 on flights and luxury hotels with code AMEXMMT.
Step 2: Search for domestic/international flights or luxury hotels totaling ₹10,000+.
Step 3: Enter promo code AMEXMMT on payment review screen.
Step 4: Pay with American Express Card to get up to ₹3,000 instant discount.
Valid on flight and hotel bookings across India and international routes. Minimum spend of ₹10,000 required. Maximum discount of ₹3,000 per booking. Valid once per cardholder per calendar month.
Tata CLiQ Luxury
Indulge in designer couture, luxury watches, and fine lifestyle accessories. American Express Cardholders get flat 10% instant discount up to ₹2,500 on Tata CLiQ Luxury.
Step 2: Add designer fashion, watches, or accessories worth ₹7,500 or more.
Step 3: Enter promo code AMEXTATACLIQ at checkout.
Step 4: Pay with your American Express Card to get 10% instant discount up to ₹2,500.
Valid on eligible luxury brands on Tata CLiQ Luxury. Minimum transaction value of ₹7,500 required. Maximum instant discount is ₹2,500 per transaction. Valid once per cardholder per calendar month.
Frequently Asked Questions
Everything you need to know about American Express SmartEarn
- • Min age: 18 years
- • Salaried: ₹37,500/month min
- • Self-employed: ₹50,000/month min
- • CIBIL: 700+ recommended
- • Instant: Pre-approved American Express customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for American Express SmartEarn today and unlock amazing rewards and premium experiences.
What Users Say
No reviews yet for American Express SmartEarn.
Be the first to share your experience!
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google