Spend Smart to Earn Smart with the American Express SmartEarn Credit Card

The American Express SmartEarn Credit Card is a simple entry-level card that offers value on everyday spending. It comes with a low joining and annual fee of ₹495 plus taxes, which can be waived on eligible yearly spends.

You also get ₹500 cashback as a welcome benefit after spending ₹10,000 within the first 90 days. This card suits users who want rewards with low cost and easy usage.

Amex SmartEarn Credit Card Benefits

Earn accelerated Membership Rewards Points on popular platforms like Amazon, Flipkart, Uber, Zomato, BookMyShow, and EaseMyTrip.

Want to know what other features the American Express SmartEarn Credit Card offers?

1. Gift Voucher Benefits: Earn vouchers worth ₹500 on reaching spend milestones of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh in a year.
2. American Express EMI Option: Convert purchases into EMIs at the point of sale with interest rates starting as low as 14% per annum.
3. Fuel Benefit: Enjoy 0% convenience fee on HPCL fuel transactions below ₹5,000. A 1% fee applies to transactions of ₹5,000 or more.
4. Card Services and Protection: Access 24x7 support for card issues, disputes, emergency replacement and enjoy zero lost card liability protection.
5. Contactless Payment Feature: Make quick payments by tapping your card on enabled machines. Check for the contactless symbol on your card.

American Express SmartEarn Credit Card Rewards Program

You can earn up to 1,250 Membership Rewards points every month with just ₹7,500 spend. This makes it easy to maximise rewards on regular usage without high spending.

Earn accelerated rewards across top platforms with a clear earning structure:

Note: All other eligible spends earn 1 point per ₹50, except fuel, insurance, utilities and EMI conversions.

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American Express SmartEarn Credit Card EMI Options

With the American Express SmartEarn Credit Card, you can convert purchases of ₹5,000 or more into easy EMIs with flexible repayment options.

1. Pre-Purchase EMI: Select the option at checkout and choose tenures of 3, 6, 9, 12, 18 or 24 months with 1.17% monthly interest.
2. Post-Purchase EMI: For completed transactions, choose from repayment options from 3 to 24 months at 1.33% monthly interest.

Note: Apply through SMS, online form or Amex app chat for Post-Purchase EMI easily.

American Express SmartEarn Credit Card Charges

The American Express Smart Earn Credit Card draws an interest of 3.50% per month. The interest, however, increases to 3.99% in case of default.

Other charges that apply to this card that you must know are:

💡Download the Pice app and skip the hassle of late payment charges! 

American Express SmartEarn Credit Card Application Criteria

Applicants must be Resident Indians with a valid address as per Income Tax rules. Inform the bank if your residential status changes. Card issuance depends on selected locations.

Curious to check other Amex SmartEarn Credit Card eligibility?

1. Employment requires an annual income of ₹4.5 lakh or more.
2. Self-employed applicants must have an income of ₹6 lakh or more.
3. A savings or current account with an Indian or multinational bank is necessary.
4. Minimum age requirement is 18 years.
5. A good credit history with no payment defaults is necessary.
6. Businesses must run for more than 12 months for self-employed applicants.

💡Once the card is delivered to you, it is important to maintain your card's health and credit score. For that, you need the Pice App! Receive credit card bill payment reminders, pay through the app and track payment status.

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