American Express
SmartEarn Credit Card
SimplifyCards take:A good fit if you want a card built for online, entry level, and shopping
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Best for Partner MerchantsBest for
10 Membership Rewards Points / ₹50 spent on select 10X merchants
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for online, entry level, and shoppingBottom line
It combines accelerated rewards on partner merchants and milestone rewards
Estimate your Membership Rewards
Adjust your monthly spend to see the card's estimated annual value
How the card works
Membership Rewards rates
| Category | Rate | Monthly cap |
|---|---|---|
| Partner Merchants | 10 Membership Rewards Points / ₹50 spent on select 10X merchants | 500 Membership Rewards |
| Amazon | 5 Membership Rewards Points / ₹50 spent on Amazon | 250 Membership Rewards |
| Retail | 1 Membership Rewards Point / ₹50 spent on other eligible spends | - |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| British Airways | Executive Club | 2:1 |
| Singapore Airlines | KrisFlyer | 2:1 |
| Qatar Airways | Privilege Club | 2:1 |
| Emirates | Skywards | 2:1 |
| Etihad Airways | Etihad Guest | 2:1 |
| Virgin Atlantic | Flying Club | 5:4 |
| Air India | Maharaja Club | 2:1 |
| Hotel group | Programme | Ratio |
|---|---|---|
| Marriott | Marriott Bonvoy | 1:1 |
| Hilton Hotels | Hilton Honors | 1:1.5 |
Important conditions
1
MilestoneVouchers worth ₹500 each on reaching spends of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh in a cardmembership year
2
Fee waiverRenewal fee waived on annual spends of ₹ 40,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- ₹500 cashback as welcome gift on eligible spends of ₹10,000 in the first 90 days of Cardmembership
Latest Updates
Recent changes to this card
American Express improves Virgin Atlantic and Hilton Honors transfer ratios25 Aug 2026
- American Express India has significantly improved Membership Rewards transfer ratios for Virgin Atlantic Flying Club and Hilton Honors
- Virgin Atlantic transfers have improved from 2:1 to 5:4 (60% uplift), while Hilton Honors transfers have increased from 1,000:900 to 1,000:1,500 (67% uplift), making Membership Rewards substantially more valuable for travellers
Eligibility
Check this before you apply
Salaried
- Employed with personal annual income of ₹4.5 lakh and above
- Good credit history with no payment defaults
- Resident Indian with current or permanent residential address in India
Self-employed
- Self-employed with personal annual income of ₹6 lakh and above
- Company has been trading for more than 12 months
- Resident Indian with current or permanent residential address in India
Exclusions
Spending that does not earn membership rewards
- fuel
- insurance
- utilities
- cash transactions
- EMI conversion at point of sale
- balance transfers
- fees
- excluded spends as per American Express terms
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