American Express SmartEarn Credit Card

9
Expert ScoreRead review
  • Rs. 500 cashback on eligible spends of Rs. 10,000 within 90 days of card issuance.
  • 1 Membership Rewards point for every Rs. 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 Rs. 50 spent on Amazon and Paytm.
  • Renewal fee waived on the expenditure of Rs. 40,000 or above in the previous year.

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American Express SmartEarn Credit Card

9
Expert ScoreRead review
  • Rs. 500 cashback on eligible spends of Rs. 10,000 within 90 days of card issuance.
  • 1 Membership Rewards point for every Rs. 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 Rs. 50 spent on Amazon and Paytm.
  • Renewal fee waived on the expenditure of Rs. 40,000 or above in the previous year.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 495 + GST
Joining Fee
Rs. 495 + GST
Type of Card
Reward
Welcome Benefits
Cashback of Rs. 500 on spends of Rs. 10,000 or more within the first 90 days of card issuance.

USP of Card

  • Rs. 500 cashback on eligible spends of Rs. 10,000 within 90 days of card issuance.
  • 1 Membership Rewards point for every Rs. 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 Rs. 50 spent on Amazon and Paytm.
  • Renewal fee waived on the expenditure of Rs. 40,000 or above in the previous year.

Fees & Charges

Spend Based Waiver
Annual renewal fee waived on spends of Rs. 40,000 in the previous year.
Interest Rates
3.5% per month
Cash Advance Charges
3.50% on international transactions
Rewards Redemption Fee
Nil
Fuel Surcharge
1% fuel surcharge waiver at HPCL fuel stations on transactions exceeding Rs. 5,000.
Foreign Currency Markup
3.5%, subject to a minimum amount of Rs. 250
Late Payment Fee
-
Add-on Card Fee
1 complimentary add-on card, Rs. 250/card thereafter.

Rewards & Benifit

Movie & Dining offers
10X Membership Rewards Points on spends with BookMyShow, Zomato and PVR Cinemas.
Reward Redemption
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
Zero Liability Protection
Zero cost liability on reporting the loss of card within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.
Rewards Rate
1 Membership Reward Point/Rs. 50 spent (with a few exceptions), 10X Reward Points on Flipkart, Uber, Zomato, AJIO, PVR, Blinkit and more.
Travel
10X Reward Points on spends on Uber (max cap of 500 Points)
Online Shopping offers
10X accelerated Membership Rewards Points on Flipkart, Zomato, Uber and more.
Insurance Benefits
Zero cost liability if loss of card reported within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.
Domestic Lounge Access
NA
International Lounge Access
NA
9Expert Score
  • Rs. 500 cashback on eligible spends of Rs. 10,000 within 90 days of card issuance.
  • 1 Membership Rewards point for every Rs. 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 Rs. 50 spent on Amazon and Paytm.
  • Renewal fee waived on the expenditure of Rs. 40,000 or above in the previous year.
Best values score
9
PROS
  • This card comes at a low joining fee of just Rs. 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.
9Expert Score
  • Rs. 500 cashback on eligible spends of Rs. 10,000 within 90 days of card issuance.
  • 1 Membership Rewards point for every Rs. 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 Rs. 50 spent on Amazon and Paytm.
  • Renewal fee waived on the expenditure of Rs. 40,000 or above in the previous year.
Best values score
9
PROS
  • This card comes at a low joining fee of just Rs. 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.

Specification: American Express SmartEarn Credit Card

Bank Name

American Express

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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American Express SmartEarn Credit Card
American Express SmartEarn Credit Card

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