American Express adds more earning opportunities with the SmartEarn Credit Card

One of the unsung warriors of the Indian Credit Card industry has been the American Express SmartEarn Credit Card, the entry level product from the stable of American Express in India. The card provides some excellent opportunities to earn Membership Rewards points on the use with some preferred vendors.

a credit card with a picture of a man in a helmet

Now, American Express has added some new benefits on the card. Here is the communication sent out.

a screenshot of a card

Earlier on, American Express only used to provide 10X Membership Reward Points for purchases from Flipkart, but now they have added Amazon India to the mix as well. You can earn 10X points (1 point per INR 50 spent + 9 bonus points per INR 50 spent), and the bonus points will top off at INR 2777 per month between spends on Amazon and Flipkart.  You also get 10X Membership Rewards points on spending on Uber, but it is not included in this limit.

You can also earn 5X Membership Reward points (1 point per INR 50 spent + 4 bonus points per INR 50 spent) on various merchants, which now includes topping up your PayTM wallet. However, the total 5X bonus caps at 250 points per month, which is the equivalent of spends up to INR 3125. The following merchants attract 5X spends:

  • Paytm Wallet
  • Swiggy
  • BookMyShow
  • PVR
  • Myntra
  • Jabong
  • Grofers
  • Big Bazaar


This is great news for those who use the American Express Smart Earn CC. There are now more opportunities to earn Membership Rewards points at this entry level card, which can quickly be used to various reward options as well, including transfer to airline and hotel reward partners.

Which is your favourite merchant for the Amex Smart Earn Credit Card?

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About Ajay

Ajay Awtaney is the Founder and Editor of Live From A Lounge (LFAL), a pioneering digital platform renowned for publishing news and views about aviation, hotels, passenger experience, loyalty programs, travel trends and frequent travel tips for the Global Indian. He is considered the Indian authority on business travel, luxury travel, frequent flyer miles, loyalty credit cards and travel for Indians around the globe. Ajay is a frequent contributor and commentator on the media as well, including ET Now, BBC, CNBC TV18, NDTV, Conde Nast Traveller and many other outlets.

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  1. Received an email today from Amex on the Gold Charge Card saying “Something exciting is coming your way on 15 July 2021”. More earning opportunuties??

  2. shouldn’t the cap be at Rs 2500 for 10x/5x categories. INR 50 gets you 10/5 MR (1 base point + 9/4 bonus points).

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