American Express SmartEarn™ Credit Card

American Express SmartEarn™ Credit Card lets you earn reward points on every transaction, which you can later redeem against vouchers or products from their rewards catalogue. Apart from rewards, the card also offers cashback as welcome bonus and vouchers on reaching different spending milestones. Here are some of the key benefits:

Rewards Programme

You can earn up to 10X reward points on your purchases via American Express SmartEarn™ Credit Card as per the below details:

• 10X Membership Rewards® points on Zomato(capped at 500 points per month per Card Account). Also, earn 10X points on Flipkart, Myntra, BlinkIt, Uber, Nykaa, Ajio, PVR, BookMyShow (capped at 500 points per month per Card Account)
• 5X Membership Rewards Points on every Rs. 50 spent on Amazon and Paytm Wallet (capped at 250 points per month per Card Account for both the merchants combined)
• 1 Membership Rewards Point for every Rs. 50 spent on other categories except for fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale

Suggested read: Best Rewards Credit Cards in India

Welcome Benefit

Cardholders will get Rs. 500 cashback as a welcome gift as a statement credit on spending Rs. 10,000 in the first 90 days of card membership.

Milestone Benefit

Cardmembers can earn vouchers worth Rs. 500 each on achieving the spending milestone of Rs. 1.20 Lakh, Rs. 1.80 Lakh and Rs. 2.40 Lakh, respectively in a card membership year.

Other Benefits

Renewal Fee Waiver: Renewal fee waiver on eligible spends of Rs. 40,000 and above in the previous year of card membership.

EMI Conversion: Convert purchases into EMI at the point of sale with an interest rate as low as 14% p.a. and zero foreclosure charges.

Fuel Convenience Fee Waiver: You can save on your fuel expenses as per the below details:

• 0% convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps
• 1% convenience fee on fuel purchases above Rs. 5,000 at HPCL Petrol Pumps

American Express SmartEarn™ Credit Card Terms & Conditions.

Below mentioned are the applicable fees and charges for American Express SmartEarn™ Credit Card:

To read about all the fees and charges in detail, click here.

To apply for American Express SmartEarn™ Credit Card, the applicant must be an Indian resident and have a good credit history with no defaults. The applicant should also have a savings or current account in an Indian or Multinational Bank. Apart from this, applicants also need to fulfill the below-mentioned eligibility criteria:

American Express SmartEarn™ is an entry-level credit card that is suited for you if you frequently shop online and want to get benefits in the form of reward points and vouchers. This credit card offers reward points on online purchases at select brands like Amazon, Flipkart, Myntra and more. However, you can also avail other privileges like gift vouchers, fuel benefits, bonus cashback, fee waiver and more via this credit card. This is a suitable option if:

• You are looking for a low annual fee credit card
• You frequently shop online
• Your goal is to earn rewards instead of cashback
• You want a credit card that comes with welcome benefits
• You can spend Rs. 40,000 annually to avail annual fee waiver

Apply for American Express SmartEarn™ Credit Card | Check other American Express® Credit Cards in India

If you are looking for other credit cards to save on your online purchases, then you can refer to the cards mentioned in the table below:

Q. How can I apply for American Express SmartEarn™ Credit Card?

A. You can apply for this American Express credit card online through the official website of American Express. All you need to do is look for an eligible credit card, fill out an application form and submit the relevant documents. The bank will verify your details and process your request.

Q. What are Membership Rewards Points earned via American Express SmartEarn™ Credit Card?

A. American Express SmartEarn™ Credit Card lets you earn Membership Rewards Points on your online as well as offline purchases. You can later redeem the earned reward points against gift vouchers or merchandise as per your requirements.

Q. What is the forex markup fee charged by American Express SmartEarn™ Credit Card?

A. American Express SmartEarn™ Credit Card charges a forex markup fee of 3.5% of the transacted amount. Therefore, this is not a suitable option for foreign currency transactions as it incurs high charges.

Q. What is the interest-free period offered on American Express SmartEarn™ Credit Card?

A. You can get an interest-free period of up to 48 days. However, the payment due date will vary from 18 to 23 days from the statement generation date, depending on the previous month’s payment behavior.

Q. Does American Express SmartEarn™ Credit Card offer complimentary lounge access?

A. No, this credit card does not offer any travel-related benefits. This is suitable only for shopping and rewards. If you are looking for a credit card that offers complimentary domestic as well as international lounge access, you can click here.