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! 👇
Aspects that make spending using this card lit as the sun!
₹500 cashback on eligible spends of ₹10,000.
Note: Applicable on spends done within the first 90 days of card generation.
Convert transactions of ₹5,000 or more into easy EMIs.
Note: Applicable only at HPCL outlets in India.
Think of these as small investments to keep your credit card running smoothly.
Annual Percentage Rate42%
Add-on Card Fee₹250
Minimum Repayment Amount5%
Cash Withdrawal Fee0
Cash Advance LimitNA
Card Replacement FeeNil
Foreign Transaction Fee3.50%
Over Limit Penalty2.50%
Fuel Transaction Surcharge1%
Reward Point Value₹0.25
Any Amount Due30% of the minimum amount due, subject to a minimum of ₹ 500 and a maximum of ₹ 1,000.
Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
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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.