by American Express · Updated October 2026
Amex's starter card, with 10X points on Flipkart & Uber.
You'll apply on the official American Express page. We never ask for your details.
10X points on Flipkart, Uber & partner brands
5X points on Amazon, Swiggy & Zomato
1 point per ₹50 on other spends
Fee waived on just ₹40,000 yearly spend
10X points are capped at 500 a month across all 10X merchants. No points on fuel or utilities.
Approximate value back on every ₹100 you spend.
The Amex SmartEarn™ Credit Card is worth it if you spend a lot on online shopping (3%) and travel & flights (3%). The ₹495 annual fee is waived when you spend ₹40,000 a year (about ₹3,333 a month), so it's worth it if you'll hit that. It's less suitable if 10X points capped at 500 a month.
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21–60 years (salaried), up to 65 (self-employed)
~₹4.5 lakh/year (approx.)
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹495 and the annual fee is ₹495 (plus GST). The annual fee is waived if you spend ₹40,000 or more in a year.
No. The Amex SmartEarn™ Credit Card runs on Amex, and only RuPay credit cards can be linked to UPI.
No, the Amex SmartEarn™ Credit Card doesn't include complimentary lounge access.
It's best for entry-level amex. Amex's starter card, with 10X points on Flipkart & Uber.
Approximately ~₹4.5 lakh/year, though the issuer makes the final decision based on your credit profile.
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