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American Express SmartEarn Credit Card Features and Benefits

At a low joining fee of Rs. 495, this credit card comes loaded with many benefits and is highly suited for people looking to start their credit journey.

Welcome Benefits

• Rs. 500 cashback as a Welcome Benefit on eligible spends of Rs. 10,000 in the first 90 days of the card issuance date.
• Eligible spends include all spends except express cash transactions, cash advances, drafts, fees, and balance transfers.

Milestone Benefits

The annual membership fee is waived on eligible spends of Rs. 40,000 or more in the previous year of the card membership.

Movie and Dining Benefits

• 10X Membership Reward Points on Zomato, PVR, and BookMyShow.
• Max cap of 500 RPs for Zomato.
• Max cap of 500 RPs for all other partner brands.

Spend-Based Benefits

Here is how you can earn vouchers of up to Rs. 1500 with a spend of Rs 2.40 Lakh in a card membership year with the American Express SmartEarn Credit Card.

• Spend Rs. 1.20 Lakh in a card anniversary year and get a voucher of Rs. 500 from top brands.
• Reach the spending milestone of Rs. 1.80 Lakh and get an additional voucher of Rs. 500.
• An additional voucher of Rs. 500 can be availed on spends of Rs. 2.40 Lakh with the American Express SmartEarn Credit Card.
• These vouchers can be availed from the following brands- Amazon, Flipkart, PVR, MakeMyTrip, Lifestyle, Costa Coffee, Uber, Myntra, and Shoppers Stop.

American Express SmartEarn Credit Card Rewards

• For every Rs. 50 spent using this credit card, you will earn 1 Membership Reward Point with the exception of spends on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at POS.
• 10X Membership Rewards Points on Flipkart, Uber, BookMyShow, Ajio, Nykaa, PVR, BlinkIt, and Myntra (Max cap 500 points for all brands combined).
• 10X Membership Rewards Points on Zomato and EaseMyTrip (max cap of 500 points each month).
• 5X Membership Rewards Points on Amazon (max 250 Points/month at this rate).
• You can earn a maximum of  1,250 Membership Rewards Points in a month at an accelerated rate if you spend Rs. 2,500 on Flipkart combined (500 Membership Rewards Points), Rs. 2,500 on Zomato (500 Membership Rewards Points), and Rs. 2500 on 5X partner merchants like Amazon (250 Membership Rewards Points).

Reward Redemption

• You can use your Membership Reward Points to pay your credit card charges.
• These Reward Points can also be used in the Membership Rewards catalog, where you can choose from categories such as shopping and travel.
• You can even opt for e-vouchers of famous brands with your Reward Points.
• You can transfer the Membership Rewards Points to other air miles and hotel loyalty programs like Asia Miles, British Airways Executive Club, Emirates, Club Vistara, Skywards, Etihad Guest, Finnair Plus, InterMiles, Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonovoy and Hilton Honors.

American Express SmartEarn Credit Card Eligibility

You must satisfy the following criteria to be eligible for this credit card-

• You must be a citizen of any of these cities – Delhi/NCR, Mumbai, Chennai, Bangalore, Pune, Hyderabad, Indore, Jaipur, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Mysuru, Trivandrum and Nasik.
• If you are a salaried employee, you must have an annual income of Rs. 4.5 lakh. If you are self-employed, you must have filed an income tax return of at least Rs. 6 lakh in the previous year, and your company must have been trading for at least a year now.
• You must have a savings or current account in India.
• You should have a good credit history.
• Your age should be 18 years or above.

Apply Now for the American Express SmartEarn Credit Card

Easily apply for the American Express SmartEarn Credit Card with Card Insider. On our platform, you can easily “Apply” for this card from the convenience of your mobile device or desktop.

Offline mode – the card can be applied at various AmEx kiosks. Fill out the physical credit card application form and provide the necessary documents.

American Express SmartEarn Credit Card Review

As it offers you a reasonably good reward rate and 10X and 5X rates on some of the famous brands, the American Express SmartEarn credit card can be considered one of the best entry-level cards in the market right now, particularly so because it is being offered by a brand like American Express, which is known globally for its premium credit cards. The only downside is that the monthly cap for maximum reward points is relatively low. You can earn 1,250 Membership Reward Points in a month on spends of Rs. 7,500 with the American Express SmartEarn Credit Card.

Still, as this credit card has one of the minimum income requirements (among American Express credit cards), if you’re just about to begin your credit journey and admire the brand value of American Express, this might be a good pick for you.

Tell us what you think about the American Express SmartEarn Credit Card. Do share your thoughts in the comments below.