American Express · Entry
Amex SmartEarn
Where it ranks across all 187 cards
#41 Cabs & transit
1.3%
at Uber
direct
#54 Food delivery
1.3%
at Zomato
direct
#54 Fashion
1.3%
at Myntra
direct
#56 Groceries
1.3%
at Blinkit
direct
#57 Online shopping
1.3%
at Flipkart
direct
#58 Movies & events
1.3%
at BookMyShow
direct
#17 Wallet load
1.0%
direct
#23 Education
1.0%
direct
#43 Jewellery & watches
1.0%
direct
#50 Gaming
1.0%
direct
#55 Mobile / broadband
1.0%
direct
#64 Train tickets
1.0%
direct
#69 Other
1.0%
direct
#71 Health & pharmacy
1.0%
direct
#74 Electronics
1.0%
direct
#82 Hotels
1.0%
direct
#83 Flights
1.0%
direct
#89 Dining out
1.0%
direct
#18 Government / tax
0.1%
direct
30 Sep 2026
From 30 Sep 2026, extra points on purchases at select brands end. Extra points through ShopWise vouchers continue.
1 Aug 2026
Amex India is currently not accepting new card applications - existing cardholders unaffected.
Get an email if this card changes - sign in.
Points valued at ₹0.5/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹50
source
Source: Amex SmartEarn MITC - americanexpress.com - read 20 Aug 2026
10X pool A (Flipkart/Uber/BMS/Ajio/Nykaa/PVR/Blinkit/Myntra)
10.00%this rule
10 pts / ₹50
how it works & source
Issuer merchant list: 10X bonus capped 500 MR/month jointly for Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, Blinkit, Myntra. Merchants identified by payment descriptors, not MCC; list "as of 28 Aug 2024" and may change.
Source: Amex SmartEarn participating-merchant list (issuer PDF, as of 28 Aug 2024) - americanexpress.com - read 22 Aug 2026
10X pool B (Zomato & EaseMyTrip)
10.00%this rule
10 pts / ₹50
how it works & source
Separate 500 MR/month bonus pool for Zomato and EaseMyTrip together. Swiggy is NOT on the issuer merchant list.
Source: Amex SmartEarn participating-merchant list (issuer PDF, as of 28 Aug 2024) - americanexpress.com - read 22 Aug 2026
5X on Amazon
5.00%this rule
5 pts / ₹50
how it works & source
5X bonus capped 250 MR/month on Amazon (issuer merchant list).
Source: Amex SmartEarn participating-merchant list (issuer PDF, as of 28 Aug 2024) - americanexpress.com - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
ShopWise vouchers 2X (continue past 30 Sep 2026 per Amex - rate to re-check)
voucher route via amex travel
source & note
Reward Multiplier moved Gyftr to ShopWise on 1 Feb 2026; 200+ brands.
Source: ShopWise catalog + card-multiplier table (public) - shopwise.giftstacc.com - read 22 Aug 2026
2.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on4 exclusions
Fuel
earns nothing
Fuel: no MR points (MR T&C Section III.1(a) - Amex publishes categories, not MCC codes).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Insurance
earns nothing
Insurance: no MR points (MR T&C Section III.1(a)).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Utility bills
earns nothing
Utility services (electricity/gas/water, incl govt providers): no MR points (MR T&C Section III.1(a)).
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
EMI
earns nothing
EMI chosen at merchant site/terminal earns no MR points on personal credit cards (MR T&C).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026