What is the annual fee for the American Express SmartEarn?

The annual fee for the American Express SmartEarn is ₹495. It can be waived on annual spends of ₹40,000.

Does the American Express SmartEarn offer airport lounge access?

The American Express SmartEarn does not include complimentary airport lounge access.

What rewards does the American Express SmartEarn earn?

It earns 0.25% on eligible spends as Membership Rewards.

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SmartEarn — American Express Credit Card | Card Manager

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AMEX

entry

•••• •••• •••• 0000

SmartEarn

AMEX

SmartEarn

American Express • American Express• Entry

catalog

Annual Fee

₹495

Base Reward Rate

0.25%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

₹495

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹50

Dining₹5,000/mo

+₹13

Grocery₹8,000/mo

+₹20

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹13

Online Shopping₹8,000/mo

+₹200

Utilities₹3,000/mo

+₹8

Annual earnings

₹3,630

Blended 0.58% effective return

Monthly spend₹52,000

Monthly earnings+₹303

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

₹500 cashback welcome on ₹10K in 90 days.

Benefits & Perks

Rewards

1 Membership Rewards ≈ ₹0.40–₹1 depending on redemption (cashback → flights/transfer).
value range
0.25% base reward rate on all eligible spends. 1X base.
0.25%medium
Online: 2.5% — 10X on Flipkart/Amazon/Uber (cap 500 pts/mo).
2.5% · cap 500/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None

Payments

Joining fee: ₹495. Annual: ₹495.
₹495
Annual fee waived on spending ₹40,000 per year.
Spend ₹40,000
Milestone: spend ₹1,20,000/year → Rs.500 Amazon Voucher on annual spends of Rs.1,20,000
+₹500 valuehigh
Milestone: spend ₹1,80,000/year → Rs.500 Amazon Voucher on annual spends of Rs.1,80,000
+₹500 valuehigh
Milestone: spend ₹2,40,000/year → Rs.500 Amazon Voucher on annual spends of Rs.2,40,000
+₹500 valuehigh