American Express SmartEarn Credit Card

Movie & Dining

10X Membership Rewards Points on spends with BookMyShow, Zomato and PVR Cinemas.

Rewards Rate

1 Membership Reward Point/Rs. 50 spent (with a few exceptions), 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit and more.

Reward Redemption

Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.

Travel

10X Reward Points on spends on Uber (max cap of 500 Points)

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

Zero cost liability if loss of card reported within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.

Rs. 500 cashback on eligible spends of Rs. 10,000 within 90 days of card issuance.

1 Membership Rewards point for every Rs. 50 spent with the card (except spends on insurance, fuel, utilities, cash transactions and EMI conversions)

10X accelerated Membership Rewards Points on Zomato, EaseMyTrip, Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, and Myntra.

5X Membership Rewards Points on every Rs. 50 spent on Amazon.

Renewal fee waived on the expenditure of Rs. 40,000 or above in the previous year.

This card comes at a low joining fee of just Rs. 495. This is very attractive, especially for first-time credit card holders.

This card is very beneficial for people who use Flipkart, Zomato, PVR and Uber, as it offers 10X reward points on purchases made from these platforms.

There isn’t any domestic or international lounge access with the American Express SmartEarn Credit Card.

It is primarily a credit card for shopping and doesn’t provide many additional benefits.