American Express SmartEarn™ Credit Card: Accelerated rewards on multiple everyday brands

American Express SmartEarn™ Credit Card is suited for people who frequently shop online. It is an entry-level credit card that lets you earn reward points on every purchase and provides additional privileges such as bonus cashback, fee waiver, gift vouchers and more. Read on to know more about this credit card in detail.

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Key Highlights of American Express SmartEarn™ Credit Card

Best Suited for	Rewards & Online Shopping
Joining Fee	Rs. 495+ Applicable Taxes
Annual/ Renewal Fee	Rs. 495 + Applicable Taxes (Waived off on spending Rs. 40,000 and above in the previous year of Cardmembership)
Minimum Income Requirement	Salaried: Rs. 4.5 lakh p.a. Self-employed: Rs. 6 lakh p.a.
Welcome Benefit	Rs. 500 cashback on spending Rs. 10,000 in the first 90 days
Best Feature	10X Membership Rewards® points on Zomato, EaseMyTrip, Flipkart, Uber, Myntra, PVR, BookMyShow, Ajio, Nykaa and BlinkIt
Paisabazaar’s Rating	★★★  (3.5/5)

Note: Currently, American Express is not accepting new card applications. Content on this page is for information only.

Video: Quick Review of American Express SmartEarn™ Credit Card

American Express SmartEarn™ Credit Card Review | Features & Benefits | Amex Smart Earn Eligibility

Note: Details mentioned in the video have been sourced from the issuer’s website as of August 2024. For updated information, refer to this page.

American Express SmartEarn™ Credit Card: Features & Benefits

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 Program

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, EaseMyTrip, Flipkart, Uber, Myntra, PVR, BookMyShow, Ajio, Nykaa and BlinkIt. Here, points on Zomato and EaseMyTrip have a combined monthly capping of 500 points, and all other platform spends have a monthly capping of 500 points.
5X Membership Rewards Points on every Rs. 50 spent on Amazon (capped at 250 points per month per Card Account)
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 .

American Express SmartEarn™ Credit Card: Fees & Charges

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

Type of Fee or Charge	Amount
Joining Fee	Rs. 495 + Applicable Taxes
Annual/ Renewal Fee	Rs. 495 + Applicable Taxes (Waived off on spending Rs 40,000 and above in the previous year of Cardmembership)
Finance Charges	3.5% p.m.
Cash Advance Fee	3.5% (Minimum of Rs. 250)

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

American Express SmartEarn™ Credit Card: Eligibility & Documentation

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:

Criteria	Details
Minimum Age Requirement	18 years
Occupation	Salaried or Self-employed
Minimum Income Requirement for Self-employed	Rs. 6 Lakh p.a.
Minimum Income Requirement for Salaried	Rs. 4.5 Lakh p.a.
Serviceable Cities	Click here to view the list

Should you apply for American Express SmartEarn™ Credit Card?

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

Other Similar Credit Cards

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:

Credit Card	Annual Fee	Comparative Feature
Flipkart Axis Credit Card	Rs. 500	5% cashback on Flipkart & Myntra \| 4% cashback on Swiggy, Cleartrip, Cure.fit, PVR, Uber \| 1.5% cashback on other categories
Amazon Pay ICICI Credit Card	Nil	5% cashback on Amazon purchases for Prime members \| 3% cashback on Amazon purchases for Non-prime members \|2% cashback on transactions done via Amazon Pay merchants \| 1% cashback on other spends
SBI SimplyCLICK Credit Card	Rs. 499	10 reward points per Rs. 100 spent on online purchases made on Amazon/ Apollo24X7/ BookMyShow/ Cleartrip/ Eazydiner/ Lenskart/ Netmeds \| 5 reward points per Rs. 100 spent on all other online purchases \|1 reward point per Rs. 100 spent on other categories
HDFC MoneyBack+ Credit Card	Rs. 500	10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket \|5X CashPoints on EMI spend at merchant locations \|2 CashPoints per Rs. 150 spent on other categories

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

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

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.

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

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.

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

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.

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

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.

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

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.