The American Express SmartEarn Credit Card stands out as a versatile choice, designed to accommodate diverse spending requirements.
With its comprehensive rewards program, accelerated rewards, and flexible redemption options, it proves to be a gratifying companion for daily expenditures.
Experience the ease of contactless payments, adding a layer of convenience to your transactions. Furthermore, the inclusion of insurance coverage enhances the overall security of your card usage.
For added value, the option to obtain supplementary cards ensures that family members can also accumulate rewards seamlessly. Delve into the details by reading through to the end.
Table of Contents
Benefits and Features of American Express SmartEarn Credit Card
| Benefits and Features | American Express SmartEarn Credit Card |
|---|---|
| Welcome Benefits | As a special introductory offer, individuals holding the card will receive a Rs. 500 cashback when they spend Rs. 10,000 within the first 90 days of receiving the credit card. |
| Cashback/Rewards Points | Earn 1 Membership Reward Point for every Rs. 50 spent, with a few exceptions. Enjoy accelerated Reward Points at a rate of 10X on transactions made on Amazon and Flipkart, and also on specific merchants such as Uber (10X). Additionally, garner 5% Reward Points on purchases from various other merchants including Paytm, Swiggy, PVR, and more. |
| Travel Benefits | For Uber transactions, benefit from an exclusive 10X Reward Points, with a maximum cap of 500 Points. Take full advantage of these rewarding opportunities. |
| Dining Benefits | N/A |
| Domestic Lounge Access | N/A |
| International Lounge Access | N/A |
| Movie Benefits | Earn 5 times the Membership Rewards Points when you make purchases at BookMyShow and PVR Cinemas. |
| Insurance Benefits | Experience the added benefit of zero-cost liability if your card is reported lost within 3 working days. After this period, the maximum liability for the cardholder is capped at Rs. 1,000. Enjoy these features for added security and rewards. |
Rewards
- For every Rs. 50 you invest using this credit card, acquire 1 Membership Reward Point, excluding transactions related to Fuel, Insurance, Utilities, Cash, and EMI conversions at the point of sale.
- Unlock the potential for enhanced rewards with 10X Membership Rewards Points on platforms such as BookMyShow, Uber, PVR, AJIO, Blinkit, Myntra, Flipkart, and Nykaa, with a cumulative maximum cap of 500 points across all featured brands.
- Enjoy 10X Membership Rewards Points on Zomato, capped at 500 points monthly, and 5X Membership Rewards Points on Paytm and Amazon, with a maximum of 250 points per month at this accelerated rate.
- Optimize your rewards by earning up to 1,250 Membership Rewards Points monthly at an accelerated rate.
- Achieve this by spending Rs.2,500 collectively on Amazon and Flipkart (500 Membership RP), Rs. 2,500 on Uber rides (500 Membership Rewards Points), and Rs.2,500 on 5x partner merchants like Paytm, Swiggy, etc. (250 Membership Rewards Points).
Milestone Benefits
The annual membership fee is exempted for eligible expenditures totaling Rs. 40,000 or more in the preceding year of card membership.
Eligibility for American Express SmartEarn Credit Card
To check the eligibility for the American Express SmartEarn Credit Card, Please read the American Express Credit Card Eligibility Blog post for more information.
Fees & Charges of American Express SmartEarn Credit Card
| Fees & Charges | American Express SmartEarn Credit Card |
|---|---|
| Joining fee | Rs. 495 |
| Annual fee | Rs. 495 |
| Fee waiver | Enjoy the benefit of an annual fee waiver by having the annual renewal fee automatically waived if your spending exceeds Rs. 40,000 in the previous year |
| Fuel surcharge | Additionally, take advantage of a 1% fuel surcharge waiver when you make transactions surpassing Rs. 5,000 at HPCL fuel stations, extending across all fuel stations in India where this credit card is accepted. Embrace these perks for a more rewarding and cost-effective experience. |
How to Apply for American Express SmartEarn Credit Card
To apply for American Express Credit Card kindly visit the official website of American Express and apply from there, also there is an outlet of AMEX from where you can apply for an American Express Membership Rewards® Credit Card.
