Get rewarded for your spends with 10X and 5X Membership Rewards® Points respectively at select merchant partners
Cashback of Rs. 500 on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership
Renewal Fee waiver on spends of Rs.40,000 and above in the previous year of Card-membership
Welcome/Renewal Benefit:Earn 500 Cash Points, this is applicable only on the payment of the membership fee
Spend Rs. 50,000 or more in a year before the Credit Card renewal date and get the renewal fee waived off
Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
Get 5X CashPoints on EMI spends at merchant locations
Get 2 CashPoints per Rs. 150 spent on other spends
Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
Enjoy up to 20% discount on partnered restaurants via Swiggy Dineout
Starting from January 1st, 2023, the maximum number of reward points that can be earned each month on grocery transactions will be limited to 1,000
For Rupay Credit Cardholders, UPI spends will earn 2 RPs for every Rs. 150 spent. The reward points are capped at 500 per calendar month
Zero lost Card liability
You can enjoy an interest-free period of up to 50 days from the date of your purchase
Enjoy Revolving Credit at a nominal interest rate
Enjoy amazing dining benefits with the Good Food Trail program
Get up to 20% off on all restaurant bills via Swiggy Dineout (20k+ restaurants). Offer includes both restaurant and Swiggy discount. Valid only on payments via the Swiggy App
1% Fuel Surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000
Quarterly Spend-based benefit: Get a Rs. 500 gift voucher every quarter on spends of over Rs. 50,000. Earn up to Rs. 2,000 worth vouchers in a year
Convert your big spends into EMI after purchase
The card is enabled for contactless payments
Editor's Review
Pros
Convert spends into easy monthly instalments with the American Express EMI
Avail 5X Membership Rewardsby transacting on Amazon, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and many more and get 5X rewards for every Rs.50 spent
Avail 1 Membership Rewards Point for every Rs. 50 spent except on the spends for Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale
Cons
No Golf/coaching sessions
No complimentary Airport Lounge access
High-interest rates
Pros
Get 10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, and Swiggy
Get 5X CashPoints on EMI spends at merchant locations, and get 2 CashPoints per Rs. 150 spent on other spends
Earn 500 gift voucher on spends of Rs. 50,000 per calendar quarter
Cons
No golf benefits are provided
No airport lounge access
More comparisions with American Express SmartEarn™ Credit Card