American Express SmartEarn
Credit Card

American Express SmartEarn
Credit Card

Spend only ₹90,000

Spend only ₹90,000

₹7,500 per month on Amazon, Zomato
Uber, and BookMyShow

₹7,500 per month on Amazon, Zomato
Uber, and BookMyShow

Get ₹4,250 Cashback

Get ₹4,250 Cashback

or Vistara ticket worth up to ₹7,000
or Marriott stays worth up to ₹18,000

or Vistara ticket worth up to ₹7,000
or Marriott stays worth up to ₹18,000

Get this card today.

Get this card today.

Read these Important Instructions before you apply

Read these Important Instructions before you apply

How / Where to Spend?

How / Where to Spend?

To Earn Maximum Possible Points

  • Spend Rs 2,500 per month on Amazon (via Amazon app or website), earn 250 reward points

  • Spend Rs 2,500 per month on Zomato (via Zomato app or website), earn 500 reward points

  • Spend Rs 2,000 per month on Uber (via Uber app), earn 400 reward points

  • Spend Rs 500 per month on BookMyShow (via BookMyShow app or website), earn 100 reward points

Total Membership Rewards Points

  • 2,000 Bonus points for applying via referral link and spending Rs 5,000 in first 90 days. This happens automatically if spends are done as given above

  • 1,250 reward points per month (15,000 per year) for spending Rs 7,500 on the above brands

  • Total 17,000 reward points

How to Redeem Reward Points?

How to Redeem Reward Points?

Option 1

Option 1

Pay for any purchase with your points during checkout at value of Rs 0.25 per point. Pay with Points option available on most online and offline stores. 17,000 points will convert to Rs 4,250 in cash.

Value Back

Value Back

Rs 4,250

Rs 4,250

Return Rate

Return Rate

4.7%

4.7%

Option 2

Option 2

Any purchase already made can also be paid for with points at value of Rs 0.25 per point. 17,000 points will convert to Rs 4,250 in cash.

Value Back

Value Back

Rs 4,250

Rs 4,250

Return Rate

Return Rate

4.7%

4.7%

Option 3

Option 3

Convert 15,000 American Express Membership Reward Points to 5,000 Club Vistara Miles (Free registration on Club Vistara website required) and use them to book a flight worth ₹5000-7000.

Value Back

Value Back

Rs 5,000-7,000

Rs 5,000-7,000

Return Rate

Return Rate

5.6-7.8%

5.6-7.8%

Option 4

Option 4

Convert 17,000 American Express Membership Reward Points to 17,000 Marriott Bonvoy Points (Free registration on Marriott Bonvoy website required) and get a 2 night stay at one of ~20 Marriott properties in India across cities like Kochi, Chennai, Visakhapatnam, Jodhpur, Surat, Ahmedabad, Vadodara. Depending on the property, the value of this 2 night stay can be between Rs 6,000-16,000.

Value Back

Value Back

Rs 6,000-14,000

Rs 6,000-14,000

Return Rate

Return Rate

6.7-15.5%

6.7-15.5%

From time to time, transfer bonuses are offered from American Express to Marriott Bonvoy (these are communicated over email). During these offer periods, you can get up to 22,000 Marriott Convoy Points which gives you access to ~20 more Marriott properties in India across cities like Bengaluru, Amritsar, Agra, Jaipur, Pune, Siliguri, and Indore. Depending on the property, the value of this 2-night stay can be between Rs 8,000-18,000.

Value Back

Value Back

Rs 8,000-18,000

Rs 8,000-18,000

Return Rate

Return Rate

8.8-20%

8.8-20%

* Please note that many URLs will show correct information only when you have an American Express login which you can create once you have an American Express card.


**These are the options that you have. You can pick one or a combination of these but remember you only have 17,000 points total so if you redeem 2,000 for a purchase worth Rs 500, you’ll only have 15,000 now to convert to Marriott Bonvoy or to Club Vistara.

Get this card today.

Read these Important Instructions before you apply

Get this card today.

Read these Important Instructions before you apply