{
  "id": "american-express-smartearn",
  "locale": "hinglish",
  "name": "American Express SmartEarn Credit Card",
  "bank": "American Express",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹495 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "10X on Amazon & Flipkart · 5X on Swiggy & Zomato",
  "bestFor": "First-time Amex applicants, entry-level online shopping & dining",
  "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": "₹40,000 annual spend pe fee waived",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "Top Shopping Rate",
      "value": "10X (5% return)"
    },
    {
      "key": "Dining & Delivery",
      "value": "5X (2.5% return)"
    },
    {
      "key": "Fee Waiver",
      "value": "₹40,000 annual spend"
    },
    {
      "key": "Annual Fee",
      "value": "₹495 + GST"
    },
    {
      "key": "Lounge Access",
      "value": "None"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 statement cashback"
    }
  ],
  "earnRates": [
    {
      "category": "Flipkart, Amazon & Uber",
      "rate": "5.0% (10X MR / ₹50)",
      "monthlyCap": "500 bonus pts / category",
      "perLakhSpent": "10,000 MR Points"
    },
    {
      "category": "Swiggy, Zomato & BookMyShow",
      "rate": "2.5% (5X MR / ₹50)",
      "monthlyCap": "250 bonus pts / month",
      "perLakhSpent": "5,000 MR Points"
    },
    {
      "category": "General Retail Spends",
      "rate": "1.0% (1 MR / ₹50)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 MR Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Amazon & Flipkart Shopping",
      "multiplier": "10×",
      "rate": "5.0%",
      "monthlyCap": "500 bonus pts / merchant",
      "dailyCap": "—",
      "note": "Eligible online shopping pe valid."
    },
    {
      "channel": "Uber Rides",
      "multiplier": "10×",
      "rate": "5.0%",
      "monthlyCap": "500 bonus pts / month",
      "dailyCap": "—",
      "note": "Direct Uber app payments."
    },
    {
      "channel": "Swiggy, Zomato, BookMyShow, Blinkit",
      "multiplier": "5×",
      "rate": "2.5%",
      "monthlyCap": "250 bonus pts / month",
      "dailyCap": "—",
      "note": "Combined category pool hai."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Marriott Bonvoy Points Transfer",
      "value": "₹0.50 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Gift Cards (Amazon, Flipkart)",
      "value": "₹0.30–₹0.35 / pt",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.25 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (surcharge waiver ₹1k–₹5k spends pe).",
    "Government utilities aur wallet top-ups."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹495 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹495 + GST (₹40,000 spend pe waived)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹4.5 Lakhs net annual salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}