
American Express SmartEarn Credit Card
उत्पाद विवरण
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
दोष
Limited reward categories: Users can only earn bonus points on a few select categories, and even for those, the cap is low. This could make the card less appealing for those who spend differently.
No lounge access: Unlike some other Amex cards, SmartEarn doesn't offer complimentary airport lounge access.
Foreign currency markup: If the user uses the card for international transactions, you'll be charged a 3.5% foreign currency markup fee.
Not ideal for all expenses: Users don't earn any points on fuel, insurance, utility payments, or cash transactions.
Limited acceptance in India: Some merchants in India may not accept Amex cards.
Welcome Benefit: Users will get Rs. 500 cashback as a welcome gift on eligible spends of Rs. 10,000 in the first 90 days of payment of the annual fee.
Reward System: The value of 1 RP=0.50 Paise. 10X Membership rewards on transactions on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more. Effective cashback rate: 5%. 5X Membership rewards on transactions on Amazon and Paytm Wallet. Effective cashback rate: 2.5%. 1 Membership rewards point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale. Effective cashback rate: 0.50%
Milestone Benefit: Users can earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a card membership year.
The renewal fee is waived on eligible spends of Rs.40,000 and above in the previous year of card membership.
International acceptance: Amex cards are widely accepted abroad, making them convenient for travellers.
Additional benefits: Users will get access to offers and discounts from Amex's partner brands, 24/7 card assistance, and purchase protection.
पक्ष विपक्ष
Welcome Benefits
Rs. 500 cashback as a welcome gift on eligible spends of Rs. 10,000 in the first 90 days of payment of the annual fee.
पुरस्कार प्रणाली
The value of 1 RP=0.50 Paise. 10X Membership rewards on transactions on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more. Effective cashback rate: 5%. 5X Membership rewards on transactions on Amazon and Paytm Wallet. Effective cashback rate: 2.5%. 1 Membership rewards point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale. Effective cashback rate: 0.50%
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Up to: 3.5%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
None
Eligibility Criteria
Salaried Individuals:
Minimum age: 18 years
Minimum annual income: INR 4.5 lakhs per annum
Employment: Be employed with a recognized organization for at least the past 2 years
Self-Employed Individuals:
Minimum age: 18 years
Minimum annual income: INR 6 lakhs per annum
Business establishment: Must have a valid business establishment for at least the past 3 years
फ़ायदे
10x Membership Rewards points on online shopping at Flipkart and Amazon and 5x points on Myntra, Jabong, Big Bazaar, Grofers, Paytm Wallet: Supercharge the rewards for online purchases at popular Indian brands.
1 Membership Rewards point for every ₹50 spent on other categories: Earn points on all eligible purchases, no matter how small.
Complimentary accident insurance: Up to ₹2 lakh accidental death insurance and up to ₹1 lakh hospitalisation expense cover.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Visit the American Express India website: Choose the SmartEarn Credit Card.
Click on "Apply Now": Fill out the online application form with your personal and financial information.
Documents: Upload scanned copies of required documents like PAN card, address proof, etc.
Review and submit: Review your application thoroughly before submitting it.
Decision: American Express will review your application and let you know their decision within a few days.
Card receipt: If approved, you'll receive your card within a few weeks.
सम्पर्क करने का विवरण
खाता खोलने की प्रक्रिया और प्रक्रिया



विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: Users will get Rs. 500 cashback as a welcome gift on eligible spends of Rs. 10,000 in the first 90 days of payment of the annual fee.
Reward System: The value of 1 RP=0.50 Paise. 10X Membership rewards on transactions on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more. Effective cashback rate: 5%. 5X Membership rewards on transactions on Amazon and Paytm Wallet. Effective cashback rate: 2.5%. 1 Membership rewards point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale. Effective cashback rate: 0.50%
Milestone Benefit: Users can earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a card membership year.
The renewal fee is waived on eligible spends of Rs.40,000 and above in the previous year of card membership.
International acceptance: Amex cards are widely accepted abroad, making them convenient for travellers.
Additional benefits: Users will get access to offers and discounts from Amex's partner brands, 24/7 card assistance, and purchase protection.
Limited reward categories: Users can only earn bonus points on a few select categories, and even for those, the cap is low. This could make the card less appealing for those who spend differently.
No lounge access: Unlike some other Amex cards, SmartEarn doesn't offer complimentary airport lounge access.
Foreign currency markup: If the user uses the card for international transactions, you'll be charged a 3.5% foreign currency markup fee.
Not ideal for all expenses: Users don't earn any points on fuel, insurance, utility payments, or cash transactions.
Limited acceptance in India: Some merchants in India may not accept Amex cards.
The American Express SmartEarn Credit Card is an entry-level offering from Amex, targeted towards first-time Amex cardholders or those seeking a simple rewards program with a low annual fee. It's ideal for budget-conscious individuals who primarily shop on Flipkart, Uber, or Myntra, and can benefit from the welcome bonus and annual fee waiver. However, the low base rewards rate, limited bonus categories, and lack of travel perks might not appeal to everyone, especially frequent travelers or those seeking higher rewards potential.
American Express SmartEarn Credit Card

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Annual Fee: Rs. 495 plus applicable taxes.
Interest rate: 3.5% per month (42% p.a.) on outstanding balance if the minimum due amount is not paid by the due date.
Late payment fee: Rs. 100 for every payment made after the due date.
Foreign currency markup fee: 3.5% of the transaction amount for international transactions.
Cash advance fee: 2.5% of the amount withdrawn, minimum Rs. 500.
Cheque bouncing charges: Rs. 500 per cheque.
Over-limit fee: Rs. 500 if you exceed your credit limit.
ईंधन अधिशुक्ल
0% Convenience fee on fuel purchases at HPCL for transactions less than Rs. 5,000 and 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above.
Billing Cycle
30 Days