{
  "id": "american-express-smartearn",
  "locale": "hi",
  "name": "American Express SmartEarn Credit Card",
  "bank": "American Express",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹495 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "Amazon और Flipkart पर 10X अंक · Swiggy और Zomato पर 5X",
  "bestFor": "पहली बार Amex कार्ड लेने वाले और दैनिक ऑनलाइन शॉपिंग व डाइनिंग",
  "officialLink": "https://www.americanexpress.com/in/credit-cards/smartearn-credit-card/",
  "aiVerdict": {
    "score": 4.1,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "american-express-smartearn",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "American Express India — SmartEarn Credit Card schedule of charges",
    "American Express Reward terms for SmartEarn"
  ],
  "feeWaiver": "वार्षिक खुदरा खर्च ₹40,000 पूरा होने पर नवीनीकरण शुल्क माफ",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "टॉप शॉपिंग रेट",
      "value": "10X (5% रिटर्न)"
    },
    {
      "key": "डाइनिंग और डिलीवरी",
      "value": "5X (2.5% रिटर्न)"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹40,000 सालाना खर्च"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹495 + GST"
    },
    {
      "key": "लाउंज एक्सेस",
      "value": "शून्य"
    },
    {
      "key": "वेलकम बोनस",
      "value": "₹500 स्टेटमेंट कैशबैक"
    }
  ],
  "earnRates": [
    {
      "category": "Flipkart, Amazon और Uber",
      "rate": "5.0% (10X MR / ₹50)",
      "monthlyCap": "500 बोनस अंक / मर्चेंट",
      "perLakhSpent": "10,000 MR Points"
    },
    {
      "category": "Swiggy, Zomato और BookMyShow",
      "rate": "2.5% (5X MR / ₹50)",
      "monthlyCap": "250 बोनस अंक / माह",
      "perLakhSpent": "5,000 MR Points"
    },
    {
      "category": "सामान्य रिटेल खरीदारी",
      "rate": "1.0% (1 MR / ₹50)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "ईंधन और किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 MR Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Amazon और Flipkart शॉपिंग",
      "multiplier": "10×",
      "rate": "5.0%",
      "monthlyCap": "500 बोनस अंक / मर्चेंट",
      "dailyCap": "—",
      "note": "पात्र ऑनलाइन खरीदारी पर मान्य।"
    },
    {
      "channel": "Uber राइड्स",
      "multiplier": "10×",
      "rate": "5.0%",
      "monthlyCap": "500 बोनस अंक / माह",
      "dailyCap": "—",
      "note": "सीधे Uber ऐप पर भुगतान।"
    },
    {
      "channel": "Swiggy, Zomato, BookMyShow, Blinkit",
      "multiplier": "5×",
      "rate": "2.5%",
      "monthlyCap": "250 बोनस अंक / माह",
      "dailyCap": "—",
      "note": "संयुक्त श्रेणी सीमा।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Marriott Bonvoy पॉइंट्स ट्रांसफर",
      "value": "₹0.50 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "ब्रांड गिफ्ट कार्ड्स (Amazon, Flipkart)",
      "value": "₹0.30–₹0.35 / पॉइंट",
      "minPoints": "2,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "2,500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खर्च (केवल सरचार्ज छूट लागू)।",
    "सरकारी टैक्स और यूटिलिटी बिल।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹495 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹495 + GST (₹40,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.5% प्रति माह (42% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹4.5 लाख वार्षिक शुद्ध आय"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}