The American Express SmartEarn™ Credit Card is ideal for rewards and online shopping. It has a joining fee of Rs. 495 (plus taxes) and an annual fee waived on spending Rs. 40,000+. Salaried individuals need Rs. 4.5 lakh p.a., self-employed Rs. 6 lakh. Offers Rs. 500 cashback and 10X rewards.
The SmartEarn™ Credit Card is ideal for users seeking rewards on everyday online purchases. With a modest joining fee of Rs. 495 plus applicable taxes, the card provides cashback and Membership Rewards points on spending across top platforms such as Zomato, Flipkart, Uber, Myntra, and Nykaa. Cardholders can enjoy enhanced rewards for a variety of services including food delivery, travel bookings, and entertainment, making it a versatile option for digital-savvy shoppers.
Beyond rewards, the card accommodates different income profiles, requiring a minimum annual income of Rs. 4.5 lakh for salaried individuals and Rs. 6 lakh for self-employed professionals. The annual fee can also be waived if cardholders spend Rs. 40,000 or more in the previous year. With a welcome cashback offer of Rs. 500 on spending Rs. 10,000 in the first 90 days, the SmartEarn™ Credit Card balances cost-effectiveness with value, appealing to those who want both convenience and rewards in their daily transactions.
The American Express SmartEarn™ Credit Card allows you to accumulate reward points on every eligible transaction, which can later be redeemed for vouchers, merchandise, or experiences from the card’s rewards catalogue. In addition to reward points, the card also provides cashback as a welcome incentive and exclusive vouchers on achieving certain spending milestones. Key benefits include:
Rewards Structure
Cardholders can earn points on various spending categories as follows:
10X Membership Rewards® Points on purchases made through platforms like Zomato, EaseMyTrip, Flipkart, Uber, Myntra, PVR, BookMyShow, Ajio, Nykaa, and BlinkIt. (Note: Zomato and EaseMyTrip combined have a monthly limit of 500 points; all other listed platforms also have a cap of 500 points per month.)
5X Membership Rewards® Points for 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 transactions, excluding fuel, insurance, utilities, cash withdrawals, and EMI conversions at the point of sale.
Welcome Offer
New cardholders receive Rs. 500 cashback as a welcome gift, credited to the statement after spending Rs. 10,000 within the first 90 days of card issuance.
Milestone Rewards
You can earn Rs. 500 vouchers on reaching annual spending milestones of Rs. 1.20 Lakh, Rs. 1.80 Lakh, and Rs. 2.40 Lakh, respectively.
Additional Benefits
Renewal Fee Waiver: Get a waiver on the annual fee by spending Rs. 40,000 or more in the previous year.
EMI Option: Convert purchases into easy EMIs at rates starting from 14% p.a., with no foreclosure charges.
Fuel Fee Savings:
0% convenience fee for fuel purchases under Rs. 5,000 at HPCL stations.
1% convenience fee for fuel transactions above Rs. 5,000 at HPCL stations.
For complete details, refer to the American Express SmartEarn™ Credit Card terms and conditions.
| Fee Type | 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 be eligible for the American Express SmartEarn™ Credit Card, an applicant must be a resident of India and maintain a healthy credit history without any defaults. Additionally, the individual should hold an active savings or current account with a recognized Indian or multinational bank. Besides these basic requirements, candidates must also meet the following eligibility conditions:
| 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. |
The American Express SmartEarn™ Credit Card is designed for individuals who shop online regularly and want to earn rewards in the form of points and vouchers. Along with reward points on purchases from popular platforms like Amazon, Flipkart, and Myntra, the card also provides additional perks such as gift vouchers, fuel fee savings, bonus cashback, and annual fee waivers. This card is a good fit if:
You prefer a credit card with a low annual fee.
You make frequent online purchases.
Your focus is on earning rewards points rather than direct cashback.
You want a card that offers welcome incentives.
You can spend around Rs. 40,000 per year to qualify for an annual fee waiver.
If you wish to cancel your American Express SmartEarn™ Credit Card, you can choose from multiple convenient options provided by American Express. Following the correct process ensures a smooth and secure closure.
Choose Your Preferred Closure Method
After Card Closure
Note: Closing the primary credit card will automatically deactivate all add-on or supplementary cards linked to it
Important Points
If you need assistance with your American Express SmartEarn™ Credit Card, you can contact the American Express customer support team. They provide help with billing issues, payments, rewards, card blocking, fraud reporting, and other account-related services.
Primary Customer Care Numbers (India)
These numbers can be used for general credit card queries, including transactions, EMI-related support, and account services.
American Express Gold Card Support
These contacts are dedicated for Gold Card users to receive quicker assistance.
International Customer Support
You can also use the contact number mentioned on the back of your card when travelling abroad for region-specific help.
Corporate Card Support
Services Offered
Other Ways to Contact Support
Important Points
You can apply online via the official American Express website. Simply select the credit card you’re eligible for, complete the application form, and upload the required documents. The bank will review your application and process it accordingly.
This card allows you to earn Membership Rewards Points on both online and offline transactions. The points accumulated can later be redeemed for gift vouchers, merchandise, or other rewards available in the American Express rewards catalog.
The card charges a forex markup fee of 3.5% on transactions made in foreign currency. Therefore, it may not be the best choice for frequent international spending due to the higher charges.
Cardholders enjoy an interest-free period of up to 48 days. The payment due date typically falls between 18 and 23 days from the statement date, depending on your previous month’s payment behavior.
No, this card does not include any travel-related benefits such as lounge access. It is primarily focused on shopping and reward points. For complimentary domestic and international lounge access, consider other premium American Express credit cards.
