image of SBI Cashback

American Express SmartEarn Credit Card

★★★★☆(4.5)

Do you frequently use apps like Zomato, Ajio, Nykaa, BookMyShow, and Uber? Well, guess what? You can now earn 10x Reward Points for every ₹50 spent on these apps! And that's not all; you can also earn 5x Reward Points every time you use Amazon and Paytm Wallet. The American Express SmartEarn Credit Card is here to make your shopping experience more rewarding, offering a reward rate of 1% to 10%. Plus, it charges only a joining and annual fee of just ₹495. Keep reading to learn more! 👇

Apply NowCheck CIBIL Score
American Express SmartEarn Credit CardFromSBI Bank
Powered ByVisa
Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✘Travel
✔Fuel
✔Rewards
✘Shopping
✘Cashback
✘Dining
✘Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • ₹500 cashback on eligible spends of ₹10,000.
  • Note: Applicable on spends done within the first 90 days of card generation.
EMI Benefit
EMI Benefit
  • Convert transactions of ₹5,000 or more into easy EMIs.
Milestone Benefit
Milestone Benefit
  • On Spending ₹2500 in a month on our 10X Partner (Flipkart or Amazon), you will earn 500 Membership Rewards points.
  • On Spending ₹2500 in a month on our 10X Partner (Uber), you will earn 500 Membership Rewards points.
  • On Spending ₹2500 in a month on our 5X Partner, you will earn 250 Membership Rewards points.
Reward Points
Reward Points
  • Note:
  • 10X membership points on the spends at Flipkart, Amazon, & Uber.
  • 5X membership points on Paytm Wallet, BookMyShow, Swiggy & more.
  • Reward Rate: 1% to 10%
  • Points earned on Flipkart & Amazon are capped at 500 points (combined) per month.
  • Points earned on Uber and in the 5x category are capped at 500 points and 250 points respectively per month.
Fuel Surcharge
Fuel Surcharge
  • Note: Applicable only at HPCL outlets in India.
  • No convenience fee is charged for transactions less than ₹5,000.
  • 1% convenience fee on transactions of ₹5,000 and above.
Zero Lost Card Liability
Zero Lost Card Liability
  • Users liability is Nil if the fraud is reported within 3 days.
  • Max. liability of ₹1,000 if the fraud is reported beyond 3 days.
Other Benefit
Other Benefit
  • 24x7 Card Related Assistance.
  • Emergency Card Replacement.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹495

Annual Fee

₹495

Annual Percentage Rate

42%

Add-on Card Fee

₹250

Minimum Repayment Amount

5%

Cash Withdrawal Fee

0

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25

Late Payment Charges

30%of the minimum amount due, subject to a minimum of ₹ 500 and a maximum of ₹ 1,000.
Pros

Aspects that make this credit card amazing.

  1. ⮚The card offers a waiver on fuel convenience fee.
  2. ⮚It offers monthly milestone benefits.
  3. ⮚The card gives reward points on various purchases.
  4. ⮚It provides 24x7 card assistance.
  5. ⮚It comes with zero lost card liability.
Cons

Aspects this credit card lacks.

  1. ⮚No access to airport and railway lounges.
  2. ⮚No concierge services other than card assistance.
  3. ⮚Convenience fee of ₹99 is levied on the EMI conversions.
  4. ⮚This card is only available for customers in selected cities only.

American Express SmartEarn Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

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 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 2. HDFC Moneyback+ Credit Card 3. SBI SimplyClick Credit Card

Overview

Best forRewards & Shopping
Joining Fee₹495 + applicable taxes
Annual Fee₹495 + applicable taxes
Welcome Benefits₹500 cashback
Card NetworkAmerican Express

American Express SmartEarn Credit Card Maximum Cashback

PlatformsReward points (per ₹50 spent)
Flipkart, Amazon, and Uber10x rewards
Paytm Wallet, Swiggy, BookMyShow, PVR, and many more5X Rewards
Every other spent1 Point

Who should get an American Express SmartEarn Credit Card?

The American Express SmartEarn Credit Card is an ideal choice for users who are looking to have hands-on experience with their first-ever credit card and would like to have all the benefits that a basic credit card offers. These benefits comprise shopping benefits, fuel benefits, EMI conversion benefits and a lot more. That is why this card is an ideal choice for users who spend significantly across all these categories and can pay a nominal fee of ₹495.

How to Apply for an American Express SmartEarn Credit Card?

1. Apply for an American Express SmartEarn Credit Card Online

  • American Express SmartEarn Credit Card can be applied by calling 1-800-419-2122 and through an online application process as well. To apply online, follow the below-mentioned steps:
  • Visit the American Express Website.
  • Under the "Card" section, "SmartEarn Credit Card" will be listed.
  • Click on "Apply Now" and start the application process.
  • Fill in all the required details and upload all the necessary documents to complete the process.

American Express SmartEarn Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

    Documents Required

    • Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
    • Proof of Address: 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: 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.