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American Express
The cheapest way into American Express: Rs. 495, waived at Rs. 40,000, with 10X on Flipkart and Uber
One-time
Waived on ₹40,000/yr
Capped at ₹500/month
Score 750+
Applying takes you to American Express. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from American Express’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromOnline shopping
Pays up to ₹500 a month — reached at about ₹5,000 of spend
Everything else
Shares the card's ₹500 a month ceiling
These rates share one ceiling: ₹500 a month across the card, not per category.
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Online shopping — 10X Membership Rewards Points at partner merchants including Flipkart, Uber, Zomato, AJIO, Nykaa and BookMyShow, capped at 500 points a month., up to ₹500 per month.
Biggest limitation
10X stops at 500 Membership Rewards Points a month and 5X at 250. The 10X cap is shared across Flipkart, Uber, BookMyShow and others, and a separate 500-point cap covers EaseMyTrip and Zomato together.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
cappedOnline shopping
Pays up to ₹500 per month — reached at about ₹5,000 of spend.
10X Membership Rewards Points at partner merchants including Flipkart, Uber, Zomato, AJIO, Nykaa and BookMyShow, capped at 500 points a month.
1 pts
uncappedEverything else
Base rate. Excludes fuel, insurance, utilities, cash transactions and EMI conversion at point of sale.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹584 | — |
| Annual / renewal fee | ₹584 | Rs. 495 + applicable taxes, fully waived if spends in the immediately preceding card membership year are Rs. 40,000 or more |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 3.5%, min ₹250 | Cash advance fee as published in American Express India's schedule of fees and charges |
| Late payment | As published in American Express India's schedule of fees and charges | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹40,000 a year
is what it takes to keep the ₹584 fee off — about ₹3,333 a month
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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SBM BankPaisabazaar Step-Up SBM Credit CardSee fees| Card | Annual fee | Headline rate | Lounge |
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Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹584 plus GST, waived on ₹40,000 of annual spend.
The strongest published rate is 10% on online shopping, capped at ₹500 per month — so roughly ₹5,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
American Express publishes about ₹37,500 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Rs. 495 plus applicable taxes. American Express waives it in full if your total spends on the card in the immediately preceding card membership year were Rs. 40,000 or more — about Rs. 3,400 a month.
10X Membership Rewards Points, capped at 500 points a month per card account for each. Note that a further condition caps 10X at 500 points a month jointly across Flipkart, Uber, BookMyShow and other merchants together, so the caps overlap rather than stack.
An annual income of Rs. 4,50,000 and above if you are salaried, or Rs. 6,00,000 and above if you are self-employed. Unlike many cards at this fee, American Express publishes the figure, so eligibility can be checked before applying.
At Rs. 495 waived by Rs. 40,000 of annual spend, the fee is effectively nil for anyone using it regularly. The limitation is the caps rather than the fee: 500 points a month on the 10X merchants is the ceiling, so it works best alongside a widely accepted card rather than as your only one.
They do not expire while the card is active and the account is in good standing. The value you get depends on the redemption channel, so check the current rates in your Membership Rewards account before redeeming.
No. Acceptance is narrower than Visa or Mastercard, particularly at smaller merchants, although it is good online and at large chains. For that reason an Amex card is usually held alongside a Visa or Mastercard rather than instead of one.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
American Express SmartEarn Credit Card — 10% on online shopping, up to ₹500 per month. ₹584 a year.