American ExpressVisaSmart Earn Credit Card
3.9NeoFinQ editorial rating
10X rewards on top online platforms with low annual fee
- 10X/5X on partner brands
- ₹1,500 milestone vouchers
- Low fee with easy waiver
- Joining fee
- ₹495
- Annual fee
- ₹495
- Reward type
- points
- Best for
- Points
- Est. rewards
- ₹19,500/yr
Our verdict
Great entry-level card for online shoppers.
Perfect for
- Online shoppers on Zomato/Flipkart/Amazon
- Budget-friendly card seekers
Not ideal for
- Cashback seekers
- Travel users
Pros & cons
- 10X/5X on partner brands
- ₹1,500 milestone vouchers
- Low fee with easy waiver
- No lounge access
- Monthly caps on accelerated categories
Rewards
10X on Zomato, Flipkart & Uber; 5X on Amazon, Myntra, BookMyShow, etc. (capped); 1X base
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Online Shopping | 5% |
Welcome offer
500 Membership Rewards® points upon spending ₹10,000 within the first 90 days. Card must be applied through referral or official website to ensure bonus eligibility. Standard welcome offer may vary by channel.
Benefits
Travel
- NA
More benefits
- Welcome Bonus: 500 Membership Rewards® points upon spending ₹10,000 within the first 90 days. Card must be applied through referral or official website to ensure bonus eligibility. Standard welcome offer may vary by channel.
- Milestone: N/A
Fees & charges
| Joining fee | ₹495 |
| Annual fee | ₹495 |
| Renewal fee | ₹495 |
| Fee waiver | Waived on ₹40,000 annual spend |
| Waiver threshold | Spend ₹40,000/yr |
Eligibility
Min. income (annual)
₹4.5L
Employment
Salaried / Self Employed
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Annual fee ₹495