What is an Amex SmartEarn Credit Card?

**Disclaimer: American Express Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

 

If you are looking for a credit card that best suits your shopping, transportation, and entertainment needs then the American Express SmartEarn Credit Card is a great fit. Primarily targeted towards the masses, this entry-level credit comes with low annual fees and a low annual spend threshold for the fee waiver. The Amex SmartEarn Card has signed up with multiple brands and merchants which allows the users to get extra rewards and save big on their purchases. Now make your shopping a rewarding experience with American Express SmartEarn Credit Card.

Amex SmartEarn Credit Card Benefits & Features

  • Accelerated Earn Rate

With the Amex SmartEarn Credit Card, you can earn 10X Membership Rewards® Points on your spending on Uber and Flipkart. Additionally, you can earn 5X Membership Rewards Points on Amazon, Myntra, Grofers, BookMyShow, and more.

  • Welcome Benefits

Get Rs. 500 cashbacks as Welcome Gift on the eligible spending of Rs. 10,000 within the first 90 days of card membership.

  • Renewal Fee Waiver

Spend Rs. 40,000 and above in the card anniversary year and get your renewal fee waived off. 

  • American Express EMI

Easily convert your credit card purchases into convenient EMI at the point of sale with an interest rate as low as 12% p.a. with zero foreclosure charges.

  • Rewards Program

Users will get 1 Membership Reward Point on every Rs. 50 spent (Reward Points are not applicable on Fuel, Insurance, Utilities and Cash Transactions, and EMI conversion at Point of Sale). 

Amex SmartEarn Credit Card Fees and Charges

Description

Charges

Annual Fee

Rs. 495 plus applicable taxes

Renewal Fee

Rs. 495 plus applicable taxes

Add-on Card Joining Fee

Nil for 1 add-on card.

Add-on Card Annual Fee

Nil for 1 add-on card.

Amex SmartEarn Credit Card Eligibility and Documentation

American Express SmartEarn credit card Eligibility Criteria

  • Cardholder should be over 18 years of age.

  • A salaried individual should have a Personal Annual Income of INR 4.5 Lakhs and above and a Self-Employed individual should have a Personal Annual Income of INR 6 Lakhs and above.

  • Cardholder should have an Indian or multinational bank’s savings or current account in India.

  • The applicant must be an Indian resident.

Documents Required for American Express SmartEarn credit card

  • Identity Proof - Aadhaar Card/ PAN Card/ Driving License/ Voter ID/ Passport

  • Income Proof - Latest salary slips for salaried, Income Tax Return (ITR) of 2-3 years for self-employed

  • Residence Proof - Aadhaar Card/ Utility Bills/ Driving License/ Voter ID/ Passport

Amex SmartEarn Credit Card Rewards and Offers

Sr. No.

Rewards

Value

1.

Get Rs. 500 cashbacks as Welcome Gift

Rs. 500

2.

Get up to 15% discount on dining at select restaurant partners

15%

3.

Earn 10X Membership Rewards® Points on your spending on Uber and Flipkart

10X MP

4.

Earn 5X Membership Rewards Points on Amazon, Myntra, Grofers, BookMyShow, and more

5X MP

5.

Get one Membership Reward Point for every INR 50 spent on the card

1 MP

How to Apply for Amex SmartEarn Credit Card?

Please note that Amex SmartEarn Card is not available on the Finserv MARKETS website. However, if you wish to get the best Amex credit card online, you can apply via the bank’s official website. Alternatively, one can apply offline by reaching out to the Amex credit card customer care or visiting the nearest Amex Bank branch.

FAQs About American Express SmartEarn Credit Card

  • ✔️What is American Express SmartEarn credit card?

    The American Express SmartEarn credit card is one of the best entry-level credit cards from American Express that comes with low annual fees and a low annual spend threshold for the fee waiver. If you are looking for a credit card that suits your shopping, transportation, and entertainment needs then the American Express SmartEarn Credit Card is a great fit. 

  • ✔️What is SmartEarn?

    SmartEarn is a type of credit card offered by American Express. It’s known for its low annual fees and a low annual spend threshold for the fee waiver. 

  • ✔️What is the limit of American Express SmartEarn credit card?

    The credit card limit of the American Express SmartEarn credit card varies from person to person basis their earnings and credit score.