American Express SmartEarn Credit Card
American Express SmartEarn Credit Card
₹ 500 cashback on eligible spends of ₹ 10,000 within 90 days of card issuance.
1 Membership Rewards point for every ₹ 50 spent with the card (except spends on insurance, fuel, utilities, cash transactions and EMI conversions)
10X accelerated Membership Rewards Points on Flipkart, Zomato, Uber and more.
Personalized Match by CredHunt • credhunt.com
₹ 500 cashback on eligible spends of ₹ 10,000 within 90 days of card issuance. 1 Membership Rewards point for every ₹ 50 spent with the card (except spends on insurance, fuel, utilities, cash transactions and EMI conversions) 10X accelerated Membership Rewards Points on Flipkart, Zomato, Uber and more. 5X Membership Rewards Points on every ₹ 50 spent on Amazon and Paytm. Renewal fee waived on the expenditure of ₹ 40,000 or above in the previous year.
Joining Fee
₹495
Annual Fee
₹495
Rating
5.0/5.0(0 reviews)
Key Features
₹ 500 cashback on eligible spends of ₹ 10,000 within 90 days of card issuance.
1 Membership Rewards point for every ₹ 50 spent with the card (except spends on insurance, fuel, utilities, cash transactions and EMI conversions)
10X accelerated Membership Rewards Points on Flipkart, Zomato, Uber and more.
5X Membership Rewards Points on every ₹ 50 spent on Amazon and Paytm.
Renewal fee waived on the expenditure of ₹ 40,000 or above in the previous year.
Rewards Program
Base Rewards
Reward Type
Reward Points
Base Reward Rate
1 Membership Reward Point/₹ 50 spent (with a few exceptions)
Point Value
1 EDGE Mile = 1 Airline Mile or equivalent value in hotel points
Points Expiry
2 years from date of accrual
Bonus Rewards
Welcome Offer
₹ 500 cashback on eligible spends of ₹ 10,000 within 90 days of card issuance. 1 Membership Rewards point for every ₹ 50 spent with the card (except spends on insurance, fuel, utilities, cash transactions and EMI conversions) 10X accelerated Membership Rewards Points on Flipkart, Zomato, Uber and more. 5X Membership Rewards Points on every ₹ 50 spent on Amazon and Paytm. Renewal fee waived on the expenditure of ₹ 40,000 or above in the previous year.
Accelerated Rewards
5X Membership Rewards Points on Rewards Multiplier Portal
Card Benefits
Travel Benefits
12 complimentary domestic lounge visits (limited to 3 per quarter)
10% discount on Air Vistara tickets, discounts in partnership with some of the most premium hotel chains.
Dining & Entertainment
10X Membership Rewards Points on spends with BookMyShow, Zomato and PVR Cinemas.
1+1 complimentary movie tickets at premium cinema chains and exclusive access to premium events.
Lifestyle & Protection
Special privileges at luxury retail outlets and premium brand collaborations.
Air accident cover worth ₹ 1 crore, purchase protection against loss, damage, or burglary of any item purchased using the card
Complimentary access to premium domestic and international golf courses
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | 250 |
| Foreign Currency Markup | 3.50% on international transactions |
| Cash Advance Fee | 3.5%, subject to a minimum amount of ₹ 250 |
| APR | 3.5% per month |
| Late Payment Fee | Nil for balances up to ₹100; ₹100 for balances from ₹101-₹500; ₹500 for balances from ₹501-₹1000; ₹750 for balances above ₹1000 |
| Fuel Surcharge | 1% fuel surcharge waiver at HPCL fuel stations on transactions exceeding ₹ 5,000. |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
₹100 per statement
Dynamic Currency Conversion Fee
0.035
EMI Charges
N/A
Loan Processing Fee
Loan Type 1. lnsta Loan-Rs999 (exclusive of GST) Processing Fee; 2. Jumbo Loan-Rs999 (exclusive of GST) Processing Fee; 3. Smart EMI-Rs999 (exclusive of GST) Processing ; 4. Balance Transfer on EMI-1% of Loan Amount, Minimum Rs250(exclusive of GST); 5.Loan PreClosure Charges: 3% of the Balance Principal Outstanding
Outstation Processing Charge
1. Cheque value upto Rs5,000 - Fee will be Rs25 2. Cheque value above Rs5,000 - Fee will be Rs50
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
₹250 per Returned Instrument
Railway Ticket Purchase Fee
Waived for IRCTC bookings
Card Reissue Fee
N/A
Rent Pay Transactions
1.5% of transaction amount
Rewards Redemption Fee
Nil
Fee Waiver Conditions
Annual renewal fee waived on spends of ₹ 40,000 in the previous year.
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.
Expert Opinion
Pros This card comes at a low joining fee of just ₹ 495. This is very attractive, especially for first-time credit card holders. This card is very beneficial for people who use Flipkart, Zomato, PVR and Uber, as it offers 10X reward points on purchases made from these platforms. Cons There isn’t any domestic or international lounge access with the American Express SmartEarn Credit Card. It is primarily a credit card for shopping and doesn’t provide many additional benefits.
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