American Express SmartEarn™ Credit Card

Rewards Programme

With The American Express SmartEarn™ Credit Card, you can earn reward points at an impressive rate, as outlined below:

• 10X Membership Rewards Points for every Rs. 50 spent on Flipkart, Amazon, and Uber.
• 5X Membership Rewards Points for every Rs. 50 spent on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar, and more.
• 1 Membership Rewards Point for every Rs. 50 spent on other categories, excluding fuel, insurance, utilities, cash transactions, and EMI conversions at the point of sale.

Welcome Benefit

As a welcome gesture, cardholders will receive a statement credit of Rs. 500 when they spend Rs. 10,000 within the first 90 days of card membership.

Milestone Benefit

Cardmembers have the opportunity to earn vouchers valued at Rs. 500 each when they achieve spending milestones of Rs. 1.20 Lakh, Rs. 1.80 Lakh, and Rs. 2.40 Lakh during a card membership year.

• Renewal Fee Waiver: The renewal fee will be waived for cardmembers who have eligible spends of Rs. 40,000 or more in the previous year of card membership.
• EMI Conversion: You have the option to convert your purchases into EMI at the point of sale, with an attractive interest rate starting as low as 14% per annum, and there are no foreclosure charges.
• Fuel Convenience Fee Waiver: Enjoy savings on your fuel expenses with the following details:
• No convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps.
• A 1% convenience fee is applicable on fuel purchases above Rs. 5,000 at HPCL Petrol Pumps.

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

To apply for The American Express SmartEarn™ Credit Card, the applicant must be an Indian resident and have a solid credit history with no defaults. Additionally, the applicant should maintain a savings or current account with either an Indian or Multinational Bank. In addition to these requirements, applicants should also meet the following eligibility criteria:

The American Express SmartEarn™ Credit Card is an entry-level card designed for individuals who frequently shop online and desire to reap the benefits of reward points and vouchers. This credit card provides reward points for online purchases from select brands like Amazon, Flipkart, Myntra, and more. Additionally, it offers various privileges, including gift vouchers, fuel benefits, bonus cashback, and fee waivers. This card is a suitable choice if:

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:

No, This credit card is primarily designed for shopping and rewards and does not provide any travel-related benefits. If you're in search of a credit card that offers complimentary access to domestic and international airport lounges, you can explore other options by clicking here.

The American Express SmartEarn™ Credit Card has a forex markup fee of 3.5% of the transaction amount. Due to this relatively high fee, it may not be the best choice for foreign currency transactions, as it can result in significant additional charges.

To apply for The American Express SmartEarn™ Credit Card, you can easily complete the application process online via the official American Express website. All you have to do is select the eligible credit card, complete the application form, and provide the necessary documents. Afterward, the bank will verify your information and proceed with your application.

You can benefit from an interest-free period of up to 48 days with this card. However, the exact payment due date can range from 18 to 23 days from the statement generation date, and this variation is based on your payment behavior from the previous month.

The American Express SmartEarn™ Credit Card allows you to accumulate Membership Rewards Points from both your online and offline transactions. These earned reward points can then be redeemed for gift vouchers or merchandise, giving you flexibility in how you use your rewards.