Joining Fee:
₹495 +GST
Return Percentage:1% to 2%
Credit Card Overview
A beginner-friendly card offering 2x Membership Rewards points on online transactions, dining, and fuel. Includes exclusive Amex Offers, cashback benefits, and no joining fees.
Best Suited For: Cashback
Amex
Fees and charges at a glance
- Annual fee
- ₹495
- Joining fee
- ₹495
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 42% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
Amex Smartearn credit card — Earn Categories
Where you earn more
- Myntra via Amex Rewards MultiplierOnline · E-Commerce10 MRs / ₹50
Under 10X category, 10X Membership Rewards points will be capped at 500 points per month per Card Account jointly for Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt and Myntra put together, and 10X Membership Rewards® points will be capped at 500 points per month per Card Account for both Zomato and EaseMytrip together.
- Flipkart via Amex Rewards MultiplierOnline · E-Commerce10 MRs / ₹50
Under 10X category, 10X Membership Rewards points will be capped at 500 points per month per Card Account jointly for Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt and Myntra put together, and 10X Membership Rewards® points will be capped at 500 points per month per Card Account for both Zomato and EaseMytrip together.
.png&w=48&q=75){kind=small}
Everyday rate
- Base Rewards1 Membership Rewards (MRs) / ₹50
24 more earning categories on this card
We track all 27 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- UPI
- HPCL
- Fuel
- Utilities