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AmEx · entry tier
American Express SmartEarn
Amex beginners wanting cashback on Zomato, Swiggy, Amazon
Joining fee
₹495
Annual fee
₹495
Base rate
1%
Expert rating
7.8/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹6,000
Fees-₹990
Net annual value+₹5,010
Value breakdown
Base rate (1%)+₹6,000
Annual fee₹495
Joining fee (year 1)₹495
— Highlights
- 10X on Zomato/Swiggy
- 5X on Amazon