4.5 Rating • American Express Bank

American Express SmartEarn Credit Card

Premium Category Reward Points
Reward Rate
Up to 3%
Annual Fee
₹495
Premium General
Processing: 7-10 days
100% Secure
American Express BANK
American Express
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

If you are someone who shops online frequently and wants to receive rewards in the form of vouchers and reward points, then American Express SmartEarn is the credit card for you. This credit card provides reward points on online purchases made through specific brands such as Myntra, Amazon, Flipkart, and others. Besides this, the [credit card](https://select.finology.in/credit-card) also offers additional benefits such as fuel benefits, gift vouchers, bonus cashback, and fee waivers, among others. Although this is a decent deal, there are several other credit cards in the market that offer much more to their users by charging the same amount of fee. Some of them are: 1\. [Flipkart Axis Bank Credit Card](https://select.finology.in/credit-card/axis-bank-flipkart-credit-card) 2\. [HDFC Moneyback+ Credit Card](https://select.finology.in/credit-card/hdfc-bank-moneyback-plus-credit-card) 3\. [SBI SimplyClick Credit Card](https://select.finology.in/credit-card/sbi-simply-click-credit-card)

Quick Overview

Bestfor Rewards & Shopping
Joiningfee ₹495 \+ applicable taxes
Annualfee ₹495 \+ applicable taxes
Welcomebenefits ₹500 cashback
Cardnetwork American Express

Expert Review

Key Features

If you are someone who shops online frequently and wants to receive rewards in the form of vouchers and reward points, then American Express SmartEarn is the credit card for you. This credit card provides reward points on online purchases made through specific brands such as Myntra, Amazon, Flipkart...

Key Highlights

Reward Rate

Up to 3%

Annual Fee

₹495

Rating

4.5/5

Category

Premium

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

The card offers a waiver on fuel convenience fee.

It offers monthly milestone benefits.

The card gives reward points on various purchases.

It comes with zero lost card liability.

Limitations

No access to airport and railway lounges.

No concierge services other than card assistance.

This card is only available for customers in selected cities only.

Fee and Charges

Joining Fee

₹495

Annual Fee

₹495

APR

42%

Charge Type Amount
Add-on Card Fee ₹250
Card Replacement Fee Nil
Foreign Transaction Fee 3.50%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
Below ₹100 Not specified
₹100 to ₹500 Not specified
₹501 to ₹5,000 Not specified
₹5,001 to ₹10,000 Not specified
₹10,001 to ₹25,000 Not specified
₹25,001 to ₹50,000 Not specified
More than ₹50,000 Not specified

Membership Rewards Structure

Rewards Category Rate Eligibility
Travel Bookings 4X Airlines, hotels booked directly or via Amex Travel
Dining 4X Restaurants worldwide
Supermarkets 3X Grocery stores and supermarkets
All Other Spends 1X General purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Frequent Travelers

How to Apply

1

Visit the [American Express Website](https://www.americanexpress.com/in/credit-cards/all-cards/?cpid=100496006&dsparms=dc_pcrid_633020792827_kword_american%2520express_match_e&gclid=EAIaIQobChMIlLatr4aT_QIVgdDtCh0bdQT1EAAYASABEgIi5vD_BwE&gclsrc=aw.ds).

2

Under the "Card" section, "SmartEarn Credit Card" will be listed.

3

Click on "Apply Now" and start the application process.

4

Fill in all the required details and upload all the necessary documents to complete the process.

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: Stable income required

Documents Required

Proof of Identity

PAN Card, Aadhaar Card, Passport, Driver's License

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *

Proof of Income

Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement. 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>

Expert Review

Charges
4/5
Rewards
4/5
Customer Service
4/5

Detailed Analysis

The American Express SmartEarn Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for premium enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of ₹495 and other associated charges. These factors should be weighed against the benefits offered.

Overall, the American Express SmartEarn Credit Card is a great option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank American Express
Category Premium
Rating 4.5
Reward Type Reward Points

Best Suited For

Premium
General

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