The American Express SmartEarn Credit Card is made for frequent online shoppers and offers a range of rewards and benefits. This card gives you the welcome gift of ₹500 cashback, which you will get by spending ₹10,000 within the first 90 days. Cardholders can earn 1 Membership Rewards Point at the expense of ₹50, which helps accelerate points on platforms like Amazon and Flipkart. It supports contactless payments and offers flexible EMI options, making it a versatile choice for everyday purchases.
Overview
| Category | Details |
|---|---|
|
Type of Card |
Entry Level Card |
|
Annual Fee |
₹500 + GST |
|
Reward Rate |
1% – 10% |
|
USP |
Amex Reward Multiplier program |
|
Best Use For |
Those Merchant give 10x and 5x Membership Reward Point |
Joining & Renewal Fees
| Category | Details |
|---|---|
|
Joining Fee |
₹500+ GST |
|
Joining Benefit |
₹500 cashback |
|
Welcome Benefit Criteria |
spend ₹10,000 within 90 days of Card issuance |
|
Renewal Fees |
₹500+ GST |
|
Renewal Benefit |
Nil |
|
Renewal Waiver |
Spend ₹40,000 or more in the preceding 12 months and get the renewal membership fee waived for next year. |
Earning Potential
Milestone Benefit
Cashback Redemption
Redeem your Membership Points across various categories, including against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotel loyalty programs and for making credit card bill payments under the Cash + Points scheme.
Design And Variant
The American Express SmartEarn Credit Card is a combination of modern and sleek design that reflects its dynamic appearance. It has a premium look with a deep blue color, and the iconic Amex logo adds a touch of prestige. Designed for frequent shoppers and young professionals, it perfectly balances elegance with functionality.
Foreign Currency Transaction Fee (Forex)
The card charges a foreign currency transaction fee of 3.5% on all international transactions.
Eligibility and Application
The American Express SmartEarn Credit Card is available to salaried individuals earning ₹4 lakh annually and self-employed applicants with a ₹6 lakh ITR, provided they have a good credit score.
Fuel Surcharge Waiver
No convenience fee will be charged on fuel purchases at HPCL for transactions under ₹5,000. However, a 1% convenience fee will apply to all fuel purchases of ₹5,000 and above per transaction.
Add-On Cards
The Card allows cardholders to avail add-on cards. These add-on cards share the same benefits as the primary card, making it easier for family members to enjoy the perks.
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Frequently Asked Questions
you will get ₹500 Cashback
By doing maximum transactions on merchant those give 10x membership reward point.
Rent payments made through this credit card are not eligible for any reward points.
The annual fee is 500+ GST.
Conclusion
The American Express SmartEarn Credit Card can be considered a perfect choice for those individuals who want to accumulate reward points and shop online. With a good reward structure, potential for fee waivers, and a low joining fee, it also offers a compelling package for those starting their credit journey or seeking to maximize online shopping rewards.