American Express SmartEarn Credit Card
American Express
last updated: Nov 14, 2025
₹495
₹495
3.5%
No lounge access
Contents
The American Express SmartEarn Credit Card is a rewarding choice for online shoppers and everyday spenders. Earn accelerated Membership Rewards points on popular platforms like Flipkart, Amazon, Zomato, and Uber. Enjoy a welcome cashback and fee waivers on eligible spends with easy EMI options.
Features of American Express SmartEarn Credit Card which makes it unique
Accelerated Rewards on Partner Platforms
Earn 10X and 5X Membership Rewards on popular merchants
Enhanced rewards earning
Higher than many entry-level cards
Fee Waiver Benefits
Annual fee waived on ₹40,000 spend
Cost-saving for regular users
Competitive within segment
Rewards Structure of American Express SmartEarn Credit Card
Flipkart
acceleratedon Flipkart platform
Earn 10X Membership Rewards points
Uber, Zomato, BookMyShow
acceleratedon partner platforms
Earn 10X Membership Rewards points
Amazon
acceleratedon Amazon platform
Earn 5X Membership Rewards points
Base Rewards
baseon all other merchants
Standard earn rate
Milestones of American Express SmartEarn Credit Card
Monthly Milestone
₹12,000 : ₹500 cashback voucher
Card Membership Annual Milestone 1
₹1,20,000 : ₹500 voucher from partner brands
Card Membership Annual Milestone 2
₹1,80,000 : ₹500 voucher
Card Membership Annual Milestone 3
₹2,40,000 : ₹500 voucher
Fees & Charges of American Express SmartEarn Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹495 |
| Annual Fee | ₹495 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Waived on ₹40,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts.
Additional Features of American Express SmartEarn Credit Card
EMI Conversion
Convert purchases into EMI at the point of sale with low interest
Applicable on select merchants
Mobile Wallet Support
Supports Apple Pay, Google Pay, Samsung Pay, PhonePe, Paytm, Amazon Pay
Welcome Bonus with American Express SmartEarn Credit Card
Welcome Bonus: ₹500 cashback on ₹10,000 spend in 90 days
Bonus Conditions: Valid for new customers only
Application Process for American Express SmartEarn Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via official American Express portal
Upload KYC documents
Receive verification call
Card dispatched within 7 business days
Required Documents for American Express SmartEarn Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
American Express SmartEarn Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for American Express SmartEarn Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹37,500
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum monthly income ₹37,500 for salaried
- Indian resident
- Credit score above 700
Pros of American Express SmartEarn Credit Card
- Attractive accelerated rewards
- Reasonable joining and annual fees
- Fee waivers on eligible spends
Cons of American Express SmartEarn Credit Card
- No lounge access
- Higher forex fees compared to premium cards
Frequently Asked Questions about American Express SmartEarn Credit Card
Is there a joining fee for the card?
Yes, ₹495 plus applicable taxes.
Can the annual fee be waived?
Yes, if you spend ₹40,000 or more in the previous card membership year.
What is the welcome bonus for the card?
₹500 cashback on spending ₹10,000 in the first 90 days.
Which merchants offer accelerated rewards?
Amazon, Flipkart, Uber, Zomato, BookMyShow, and more.
Does the card offer lounge access?
No, this card does not provide lounge access.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
