AMEX
American Express SmartEarn
Entry-level card · 3.5% forex markup.
American Express SmartEarn is an AMEX credit card. Use this page to compare key benefits, fees & charges, lounge access, rewards, and forex markup — then compare with similar cards.
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn)
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Annual fee
₹495
Lounge
Not specified
Forex
3.5%
Limited support — verify with issuer
Reward rate
2 pts/₹100
Source: Card issuer official terms
Open source (opens in new tab)Card snapshot
| Annual fee | ₹495 |
|---|---|
| Joining fee | ₹495 |
| Forex fee | 3.5% |
| Lounge access | No lounge access |
| Reward rate | Not specified |
Real-world usage examples
- Less suited to international transactions because forex markup is 3.5%.
Annual fee break-even math
Annual fee is ₹495 and a clean break-even threshold is not clearly specified in the current snapshot.
Key Benefits
Lounge Access
- Domestic visits
- Not specified
- International visits
- No international lounge access
Rewards
- Points per ₹100
- 2 pts value depends on redemption
Fees & Charges
Fees
- Annual fee
- ₹495
- Joining fee
- ₹495
International Use
- Forex markup
- 3.5%
- Product tier
- Entry-level
Drawbacks
- High forex markup (3.5%)
Lounge Access
- Domestic visits
- Not specified
- International visits
- No international lounge access
International Use
- Forex markup
- 3.5%
- Product tier
- Entry-level
Fees
- Annual fee
- ₹495
- Joining fee
- ₹495
Rewards
- Points per ₹100
- 2 pts value depends on redemption
Alternatives to this card
Compare nearby cards in the same tier before you apply
Latest update
- Snapshot refreshed on 21 April 2026.
- Annual fee on file: ₹495.
- Forex markup currently listed at 3.5%.
- No lounge access is on file in the latest refinery snapshot.