American Express Smartearn Credit Card - Features, Benefits, Fees & Charges

American Express SmartEarn Credit Card (4.5)

Premium Best For: Rewards
From
Powered By
12

Do you frequently use apps like Zomato, Ajio, Nykaa, BookMyShow, and Uber? Well, guess what? You can now earn 10x Reward Points for every ₹50 spent on these apps! And that's not all; you can also earn 5x Reward Points every time you use Amazon and Paytm Wallet. The American Express SmartEarn Credit Card is here to make your shopping experience more rewarding, offering a reward rate of 1% to 10%. Plus, it charges only a joining and annual fee of just ₹495. Keep reading to learn more! 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

₹500 cashback on eligible spends of ₹10,000.

Note: Applicable on spends done within the first 90 days of card generation.

EMI Benefit

Convert transactions of ₹5,000 or more into easy EMIs.

Milestone Benefit
  • On Spending ₹2500 in a month on our 10X Partner (Flipkart or Amazon), you will earn 500 Membership Rewards points.
  • On Spending ₹2500 in a month on our 10X Partner (Uber), you will earn 500 Membership Rewards points.
  • On Spending ₹2500 in a month on our 5X Partner, you will earn 250 Membership Rewards points.
Reward Points
  • 10X membership points on the spends at Flipkart, Amazon, & Uber.
  • 5X membership points on Paytm Wallet, BookMyShow, Swiggy & more.
  • Reward Rate: 1% to 10%

Note:

  • Points earned on Flipkart & Amazon are capped at 500 points (combined) per month.
  • Points earned on Uber and in the 5x category are capped at 500 points and 250 points respectively per month.
Fuel Surcharge
  • No convenience fee is charged for transactions less than ₹5,000.
  • 1% convenience fee on transactions of ₹5,000 and above.

Note: Applicable only at HPCL outlets in India.

Zero Lost Card Liability
  • Users liability is Nil if the fraud is reported within 3 days.
  • Max. liability of ₹1,000 if the fraud is reported beyond 3 days.
Other Benefit
  • 24x7 Card Related Assistance.
  • Emergency Card Replacement.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹495

Annual Fee

₹495

Annual Percentage Rate

42%

Add-on Card Fee

₹250

Minimum Repayment Amount

5%

Cash Withdrawal Fee

0

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Any Amount Due

30% of the minimum amount due, subject to a minimum of ₹ 500 and a maximum of ₹ 1,000.
Pros

Aspects that make this credit card amazing.

  1. The card offers a waiver on fuel convenience fee.
  2. It offers monthly milestone benefits.
  3. The card gives reward points on various purchases.
  4. It provides 24x7 card assistance.
  5. It comes with zero lost card liability.
Cons

Aspects this credit card lacks.

  1. No access to airport and railway lounges.
  2. No concierge services other than card assistance.
  3. Convenience fee of ₹99 is levied on the EMI conversions.
  4. This card is only available for customers in selected cities only.
American Express SmartEarn Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(3)

Customer Service

(3)

American Express SmartEarn Credit Card Review

If you are someone who shops online frequently and wants to receive rewards in the form of vouchers and reward points, then American Express SmartEarn is the credit card for you. This credit card provides reward points on online purchases made through specific brands such as Myntra, Amazon, Flipkart, and others. Besides this, the credit card also offers additional benefits such as fuel benefits, gift vouchers, bonus cashback, and fee waivers, among others. Although this is a decent deal, there are several other credit cards in the market that offer much more to their users by charging the same amount of fee. Some of them are:
1. Flipkart Axis Bank Credit Card
2. HDFC Moneyback+ Credit Card
3. SBI SimplyClick Credit Card

Overview

Best for Rewards & Shopping
Joining Fee ₹495 + applicable taxes
Annual Fee ₹495 + applicable taxes
Welcome Benefits ₹500 cashback

Card Network

American Express

Note: Annual Fee waived on eligible spending ₹40,000 or more in a year. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.

Who should get the American Express SmartEarn Credit Card?

The American Express SmartEarn Credit Card is an ideal choice for users who are looking to have hands-on experience with their first-ever credit card and would like to have all the benefits that a basic credit card offers. These benefits comprise shopping benefits, fuel benefits, EMI conversion benefits and a lot more. That is why this card is an ideal choice for users who spend significantly across all these categories and can pay a nominal fee of ₹495.

Reward Points

With the American Express SmartEarn Credit Card, users earn reward points on transactions at various platforms online as well as offline. These are categorized as below:

Platforms Reward points (per ₹50 spent)
Flipkart, Amazon, and Uber 10x rewards

Paytm Wallet, Swiggy, BookMyShow, PVR, and many more

5X Rewards
Every other spent 1 Point

Note: Reward points are not applicable for the transactions made on fuel, insurance, EMI conversions, and utilities.

How to apply for an American Express SmartEarn Credit Card?

American Express SmartEarn Credit Card can be applied by calling 1-800-419-2122 and through an online application process as well. To apply online, follow the below-mentioned steps:

  • Visit the American Express Website
  • Under the "Card" section, "SmartEarn Credit Card" will be listed.
  • Click on "Apply Now" and start the application process.
  • Fill in all the required details and upload all the necessary documents to complete the process.

Eligibility Criteria

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
American Express Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

American Express Bank

American Express Bank Credit Card Customer Care Number:

1800 419 5960

American Express Bank Card Offers:

View Offers

Total Cards:

13,46,343
American Express Bank Credit Card News

We are looking for some news yet.

American Express SmartEarn Customer Reviews

Overall Rating

4.3

Based on 3 reviews

Rating Summary

5
33%
4
66%
3
0%
2
0%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

You can apply for the American Express SmartEarn Credit Card online by visiting the American Express website. To be considered for the card, you must provide personal and financial information, such as your income and employment history. If your application is approved, you will receive your new card within 7–10 business days.

The number of free supplementary credit cards varies depending on the card. You can get up to four free add-on cards with the American Express Platinum and American Express Platinum Reserve Cards and two free add-on cards with all other credit cards.

If you frequently shop online and want to collect reward points and gift cards, the American Express SmartEarn entry-level credit card is ideal. When using this credit card to make purchases online at particular merchants like Amazon, Flipkart, Myntra, and others, you can accrue reward points. However, using this credit card also entitles you to gift cards, fuel benefits, bonus cashback, fee exemptions, and other benefits. This is a good option if you're looking for a credit card with a low annual fee. You likely make a lot of your purchases online. Instead of focusing on cashback, your goal should be to accumulate rewards.

Yes, contactless payments are supported by the SmartEarn American Express card. The card has a contactless symbol on the front and back that signifies that contactless payments are supported.

 

Similar Credit Cards

SBI SimplyCLICK (4.7) Full Details

Regular
Best For : Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

42%

SBI Elite (4.5) Full Details

Premium
Best For : Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹4,999

Annual Fee

₹4,999

Annual Percentage Rate

42%

Standard Chartered Ultimate (4.5) Full Details

Travel
Best For : Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹ 5000

Annual Fee

₹ 5000

Annual Percentage Rate

45%

IDFC FIRST Bank Millennia (4.5) Full Details

Regular
Best For : Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%

American Express Membership Rewards (4.5) Full Details

Regular
Best For : Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.50

Joining Fee

₹ 1,000

Annual Fee

₹ 4,500

Annual Percentage Rate

42%