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American Express
Smart Earn
•••• 4421
American Express

Smart Earn

Verified against MITCAmex
₹495
annual fee
1%
base reward rate
700+
min. credit score

Rewards

6 rules
zomato, bookmyshow
reward points
10%
cap: ₹500/mo
~95%
amazon, swiggy
reward points
5%
cap: ₹500/mo
~95%
zomato, ajio, nykaa, bookmyshow, uber
reward points
20%
cap: none
~95%
amazon
reward points · not on UPI
10%
cap: ₹250/mo
~95%
Everything else
reward points · base rate · not on UPI · excl. cash advance, emi, fuel, insurance, utility
1%
cap: none
~95%
Everything else
reward points · base rate · excl. fuel, insurance, utility, cash advance, emi
2%
cap: none
~95%

Who it's for

Minimum income
₹25,000/month
Minimum credit score
700+
Best for
Food delivery

Reward rules are curated from issuer MITC documents and cross-checked by our team. Always confirm the latest rules in your bank app before relying on a recommendation.

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