Card catalog
American Express
Smart Earn
•••• 4421
American Express

Smart Earn

Approximate, being verifiedAmex
₹495
annual fee
2%
base reward rate
700+
min. credit score

Rewards

9 rules
reward points · not on UPI
20%
cap: ₹250/mo
~82%
paytm, Myntra, Blinkit, Swiggy, bigbazaar, more, pvr, Reliance Fresh, DMart, BookMyShow
reward points · not on UPI
10%
cap: ₹125/mo
~82%
reward points · not on UPI
20%
cap: none
~82%
paytm, Myntra, Blinkit, Swiggy, bigbazaar, more, pvr, Reliance Fresh, DMart, BookMyShow
reward points · not on UPI
10%
cap: ₹125/mo
~82%
reward points · not on UPI
10%
cap: ₹500/mo
~82%
reward points · not on UPI
5%
cap: ₹500/mo
~82%
reward points · not on UPI
10%
cap: ₹250/mo
~82%
Everything else
reward points · base rate · not on UPI · excl. fuel, insurance, utility, cash advance, emi
2%
cap: none
~82%
Everything else
reward points · base rate · not on UPI · excl. cash advance, emi, fuel, insurance, utility
1%
cap: none
~82%

Best uses

11 merchants, 3 categories

Where this card has a reward rule beyond the base rate. Tap a pill to see how it ranks against every other card we track at that merchant or category.

Who it's for

Minimum income
₹25,000/month
Minimum credit score
700+
Best for
Food delivery

Reward rules shown are approximate while our team finishes verifying them against issuer MITC documents. We use conservative values, you should still see more rewards than we promise. Always confirm the latest rules in your bank app before relying on a recommendation.

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