American Express SmartEarn Credit Card

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The American Express SmartEarn Credit Card lets you earn reward points on everyday purchases. You can earn extra points when shopping on popular websites like Zomato, EaseMyTrip, Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, and Myntra, with 10X points on these platforms and 5X points on Amazon. This card is great for beginners, especially those who are new to American Express. If you spend over Rs. 40,000 in a year, the card's annual fee is waived. It’s a good option for young professionals who want the perks of an American Express card.

Along with reward points, the SmartEarn card offers a welcome bonus and waivers on renewal fees. It’s a good entry-level card and a solid choice, especially because it’s from the well-known American Express brand. However, one downside is that there’s a limit to how many points you can earn each month. You can earn up to 1,250 Membership Reward Points in a month on spending Rs. 7,500.

Credit Card Detail
American Express SmartEarn Credit Card
Joining Fee
Rs. 495.00 +GST
Renewal Fee
Rs. 495.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get a cashback of Rs. 500 and 2,000 referral bonus Membership Rewards Points.
Apply Now
Rewards Rate
Earn 1 Membership Reward Point for every Rs. 50 spent (with a few exceptions). Get 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit, and more.
Reward Redemption
You can use your points for online shopping vouchers, INSTA rewards for offline purchases, transfer them to flight and hotel loyalty programs, or pay your credit card bill through the Cash + Points scheme.
Movie & Dining
Earn 10X Membership Rewards Points on purchases made at BookMyShow, Zomato, and PVR Cinemas.
Travel
Earn 10X Reward Points on Uber purchases, up to a maximum of 500 points.
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
If you report your card loss within 3 working days, you won't be liable for any charges. After that, the most you’ll be liable for is Rs. 1,000.
Interest Rates
3.5% per month
Spend-Based Waiver
The annual renewal fee is waived if you spent Rs. 40,000 or more in the previous year.
Rewards Redemption Fee
Nil
Cash Advance Charges
3.5%, subject to a minimum amount of Rs. 250
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver at HPCL stations on transactions over Rs. 5,000.
Card Details
  • Get 5X Membership Rewards Points for every Rs. 50 spent on Amazon.
  • No renewal fee if you spend Rs. 40,000 or more in the previous year.
  • Earn Rs. 500 cashback when you spend Rs. 10,000 within 90 days of getting the card.
  • Get 1 Membership Rewards point for every Rs. 50 spent on the card (excluding insurance, fuel, utilities, cash, and EMI payments).
  • Earn 10X Membership Rewards Points on shopping and services like Zomato, EaseMyTrip, Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, and Myntra.
Pros/Cons
Pros
- This card has a low joining fee of just Rs. 495, making it a great option for first-time credit card users. It's especially useful for people who shop on Flipkart, Zomato, PVR, and Uber, as it offers 10X reward points on purchases made from these platforms.
Cons
- The American Express SmartEarn Credit Card does not offer access to domestic or international lounges. It is mainly a shopping-focused credit card and doesn't come with many extra benefits.
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Frequently Asked Questions

Can I track my balance and transactions through a mobile app?

Yes, you can use the American Express Mobile App to track your transactions and make payments.

What is the interest rate on the American Express SmartEarn Credit Card?

The interest rate is 3.5% per month. If payments are missed, it increases to 3.99% per month.

What is the annual fee for the American Express SmartEarn Credit Card?

The annual fee is Rs. 459 plus taxes, but it is waived if your spending exceeds Rs. 40,000 in a year.

What is the expiration period for American Express Membership Rewards Points?

The Membership Rewards Points never expire and can be redeemed at any time.

How many add-on credit cards can I get?

You can get one add-on card for free. Additional cards will cost Rs. 250 each.

Can I apply for this card across India?

This card is available only to residents of select cities, including Delhi/NCR, Mumbai, Bangalore, Chennai, and others.

Do I need to submit documents for disputes?

Yes, you may need to provide supporting documents for certain disputes, like refunds or cancellations.

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