American Express SmartEarn
American Express
Annual Fee
₹584
incl. 18% GST
Reward Rate
0.5% - 5%
Forex Markup
4.13%
Interest Rate
42%
Transfer Partners
16
Lounge Access
Domestic
None
International
None
Guest Policy
No lounge access
Airport Benefits
Rewards
Base Rate
1 MR Point per ₹50 spent
Accelerated
10X on Flipkart, Uber. 5X on Amazon, Swiggy, BookMyShow. 2X via Reward Multiplier.
Details
Correction: Formally added the 2X Reward Multiplier category object to the `spendCategories` array.
Other Benefits
Transfer Partners
Etihad Guest
Airline - 2:1 ratio
British Airways Executive Club
Airline - 2:1 ratio
Virgin Atlantic Flying Club
Airline - 2:1 ratio
Singapore Airlines KrisFlyer
Airline - 2:1 ratio
Cathay Pacific Asia Miles
Airline - 2:1 ratio
Qatar Privilege Club
Airline - 2:1 ratio
Marriott Bonvoy
Hotel - 1:1 ratio
Hilton Honors
Hotel - 1:0.9 ratio
Asia Miles
Airline - 2:1 ratio
Avios (British Airways/Qatar)
Airline - 2:1 ratio
Club Vistara
Airline - 3:1 ratio
Emirates Skywards
Airline - 2:1 ratio
Ethihad Guest
Airline - 2:1 ratio
Flying Blue (Air France-KLM)
Airline - 2:1 ratio
KrisFlyer (Singapore Airlines)
Airline - 2:1 ratio
Qantas Frequent Flyer
Airline - 2:1 ratio
Milestone Benefits
Annual Fee Waiver
On annual spend of ₹40,000
₹500 Voucher (Amazon/Flipkart)
On annual spend of ₹1,20,000
₹500 Voucher
On annual spend of ₹1,80,000
₹500 Voucher
On annual spend of ₹2,40,000
Welcome Benefits
- ₹500 cashback on spending ₹10,000 in first 90 days
Fee Structure
Annual Fee
₹584
incl. 18% GST
Joining Fee
₹584
incl. 18% GST
Fee Waiver
Spend ₹40,000 per annum for renewal fee waiver