American Express SmartEarn Credit Card

  • Joining Fee: Rs. 495 + GST
  • Renewal Fee: Rs. 495 + GST
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Direct cashback of Rs. 500 on spends of Rs. 10,000 or more within the first 90 days of card issuance.
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American Express SmartEarn credit card is a Reward Points-based credit card. Membership Reward Points can be earned while you make retail purchases using your credit card, and accelerated Membership Reward Points can be achieved while you spend on some specific website or brands like Amazon, Flipkart and Uber.  It is a decent card for beginners, at least as far as American Express cards are concerned. You can also get the annual membership fee waived if you spend more than Rs. 40,000 within a year. It is worth considering if you’re a young professional and want to carry an American Express card in your wallet for its brand value. Read on more to learn about the American Express SmartEarn Credit Card.

New Features

Spend Based Waiver

Annual renewal fee waived on spends of Rs. 40,000 in the previous year.


Interest Rates

3.5% per month


Add-on Card Fee

1 complimentary add-on card, Rs. 250/card thereafter.

Rewards Redemption Fee

Nil


Fuel Surcharge

1% fuel surcharge waiver at HPCL fuel stations on transactions exceeding Rs. 5,000.

Foreign Currency Markup

3.50% on international transactions


Cash Advance Charges

3.5%, subject to a minimum amount of Rs. 250

Movie & Dining

5X Membership Rewards Points on spends with BookMyShow, Swiggy and PVR Cinemas.


Travel

10X Reward Points on spends on Uber (max cap of 500 Points)


International Lounge Access

N/A

Rewards Rate

1 Membership Reward Point/Rs. 50 spent (with a few exceptions), accelerated Reward Points on Amazon and Flipkart (10X), Uber (10X) and on other merchants like Paytm, Swiggy, PVR, etc (5%).


Golf

N/A


Insurance Benefits

Zero cost liability if loss of card reported within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.

Reward Redemption

Can be redeemed against online shopping vouchers, INSTA rewards for offline purchases, transferable to various flight and hotels loyalty programmes and for making credit card bill payments under the Cash + Points scheme.


Domestic Lounge Access

N/A


Zero Liability Protection

Zero cost liability on reporting the loss of card within 3 working days, post which max liability of the cardholder limited to Rs. 1,000.

Pros

This card comes at a low joining fee of just Rs. 495. This is very attractive, especially for first-time credit card holders. This card is very beneficial for people who use Amazon, Flipkart and Uber, as it offers 10X reward points on purchases made from these platforms.

Cons

There isn’t any domestic or international lounge access with the American Express SmartEarn Credit Card.  It is primarily a credit card for shopping and doesn’t provide many additional benefits.

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