American Express

American Express SmartEarn™ Credit Card

Entertainment

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹495* Plus Applicable Taxes

Renewal Fee: ₹495*Plus Applicable Taxes

Entertainment

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹495* + Tax

Renewal Fee: ₹495* + Tax

Entertainment

Earn 10X Membership RPs on spends at BookMyShow, Zomato, and PVR Cinemas.

Reward Points

1 RP/₹50 spent, 10X RPs on Flipkart, Zomato, Uber & more.

Travel

Earn 10X Reward Points on Uber spends, capped at 500 points.

Welcome benefits:- Rs. 500 cashback on spending Rs. 10,000 in the first 90 days

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About American Express SmartEarn™ Credit Card

American Express SmartEarn™ Credit Card is designed for individuals who love shopping online. This entry-level card allows you to earn reward points on every spend while enjoying added benefits like bonus cashback, annual fee waiver, gift vouchers, and more.

American Express SmartEarn™ Credit Card Rewards Program

Rewards Program
With this card, you can earn up to 10X reward points depending on where you shop:

10X Membership Rewards® Points on Zomato, EaseMyTrip, Flipkart, Uber, Myntra, PVR, BookMyShow, Ajio, Nykaa, and BlinkIt.
- Points are capped at 500 points per month for Zomato + EaseMyTrip together.
- All other partner platforms have a separate monthly cap of 500 points.
5X Membership Rewards Points on Amazon – for every ₹50 spent (capped at 250 points per month per card account).
1 Membership Rewards Point on every ₹50 spent in other categories (except fuel, insurance, utilities, cash transactions, and EMI conversions at point of sale).

Other Features and Benefits

Welcome Benefit
Get Rs. 500 cashback as a statement credit when you spend Rs. 10,000 within the first 90 days of getting the card.

Milestone Benefit
Earn Rs. 500 vouchers each when you spend Rs. 1.20 Lakh, Rs. 1.80 Lakh, and Rs. 2.40 Lakh in a card membership year.

Renewal Fee Waiver
Your annual renewal fee will be waived if you spend Rs. 40,000 or more in the previous year.

EMI Conversion
Convert big purchases into easy EMIs at checkout with interest rates starting at 14% p.a. and no foreclosure charges.

Fuel Convenience Fee Waiver
Save on fuel spends at HPCL petrol pumps:

No convenience fee on fuel spends below Rs. 5,000.
Only 1% convenience fee on fuel spends above Rs. 5,000.

Fees and Charges

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)

Things to Know Before you apply

Get this card if:

You shop often on Amazon, Flipkart, Myntra, or other online sites.
You want an easy-to-get entry-level card with good rewards.
You prefer a low annual fee that can be waived with regular spending.
You like welcome cashback and shopping vouchers as extra perks.
You want the option to convert purchases into EMIs at low interest.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For American Express SmartEarn™ Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

American Express SmartEarn™ Credit Card Hilights

What do we like about this card?

Get a welcome bonus of ₹500 cashback on spending ₹10,000 within the first 3 months.
Earn 10X reward points on Flipkart, BookMyShow, Ajio, Nykaa, Uber, and other partners.
Get 5X reward points on purchases from Amazon.
Renewal fee waived on annual spends of over ₹40,000.
Earn 1 reward point for every ₹50 spent on other purchases.

Pros

Low annual fee (₹495, easily waived on ₹40,000 annual spend).
Good for online shoppers – extra rewards on Amazon, Flipkart, Myntra & more.
Welcome benefits like cashback and vouchers.
Reward points instead of just cashback, useful if you prefer redeeming points.
Fuel benefits at HPCL outlets.

Cons

Annual fee is not free unless you spend at least Rs. 40,000 in a year.
No airport lounge access or premium travel benefits.

American Express Bank Credit Card Contact Details

Contact Address: American Express Banking Corp. Cyber City, Tower C, DLF Bldg. No. 8, Sector 25-A, DLF City Phase II, Gurgaon – 122002, Haryana, India
Helpline:1800 419 3646 (Toll-Free, India) +91 124 2801800 (International)
Simply SMS: Send AMEXHELP to 561616 for instant assistance

Frequently Asked Questions

Everything you need to know about this credit card

A. No, this card does not offer lounge access or other travel perks. It is more suitable for everyday shopping and reward earning.

A. With this card, you earn Membership Rewards Points on both online and offline spending. Later, you can redeem these points for gift vouchers or merchandise of your choice.

A. You get up to 48 days of interest-free credit. However, the actual due date will depend on your previous month’s payment behavior and usually falls between 18 to 23 days after the statement date.

A: The annual fee is ₹459 plus taxes. This fee is waived if your annual spending exceeds ₹40,000 in the previous year.

A: Yes. You earn 5X Reward Points on Amazon, Swiggy, and BookMyShow, and 10X Reward Points on Flipkart and Uber.

A: Yes, by downloading the American Express® Mobile App and logging in with your credentials.