American Express SmartEarn Credit Card

American Express SmartEarn Credit Card is a basic credit card from American Express. It comes with a lower annual fee ( ₹ 495 + GST ) and a number of premium reward offers and benefits like – fee waiver, welcome offer, Emi facility, flexibility on a spending limit, card loss liability, contactless payment, 24X7 customer service, and lots more. In fact, you can save a big amount of money and earn some extra reward points on your purchases.

  • Eligibility criteria –
  • Nationality –
  • Age – min 18 years.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income –
  • For salaried – 5 lakh (annually).
  • For Self Employed – 6 lakh (annually).
  • The applicant needs to have a permanent residential address in India.
  • Self-employed people need to have a Well-established company or business.
  • This card is currently available in – Chennai, Mumbai, Delhi, Indore, Kolkata, Pune, Hyderabad, Bhopal, Surat, Vadodra, Chandigarh, Coimbatore, Ahmedabad, Bangalore, Vizag, Jaipur, etc.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Aadhar Id.
  • Letter from UIDAI.
  • Voter Id.
  • Driving License
  • Proof of Address –
  • Gas, Electricity, or any utility bill. ( recent )
  • Passport.
  • Document of property registration.
  • Ration card.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • KYC-PAN.
  • Salary Slip (recent 3 months)
  • Recently submitted form 16
  • Fees –
  • Joining fee – ₹ 495 + GST.
  • Annual fee – ₹ 495 + GST. (waved off if more than ₹ 40,000 is spent within a year)
  • Add on fee – None for up to 1 card
  • Interest-free period – 51 days.
  • Benefits – The awesome benefits of the card is described below –
  • Welcome offer – American Express welcomes you with a huge welcome offer. You can earn up to ₹ 500 cashback within 90 days of the card issuance. You can win this cash-back if you can spend ₹ 10,000 under 90 of the card issuance. You will receive the cash-back in form of a Statement credit.
  • Fee Waiver – American express gives you an opportunity to get 100% off on an annual fee. If you can spend ₹ 40,000 or more within a year then the next year’s annual fee will be waived off.
  • Reward points – Earning reward points is the main highlight of the card. you can shop online for your favorite items and earn huge reward points on each transaction (min transaction amount ₹ 50) –
  • 10X reward – you can earn 10X reward points on each transaction done on Uber, and Flipkart.
  • 5X reward – you can get 5X reward points on every transaction done on Swiggy, Amazon, BookMyShow, etc.
  • EMI Facility – now you don’t need to worry about your low shopping budget. With ‘American Express SmartEarn Credit Card’ you can always transform your big shopping bills into easy monthly EMIs at an annual interest rate of 12%.
  • More rewards – with this card you can earn more and more reward points. You will receive 1 reward point on each 50 rupee transaction ( not applicable on Utility, Cash Transaction, Fuel, Insurance, Emi Conversion). The reward offers are described below –
  • On ₹ 2500 monthly spend with our 10X partners (Flipkart, Uber) you can get up to 500 membership points.
  • On ₹ 2500 spend (monthly) with our 5X partners(Swiggi, Amazon, Big Bazar, jabong, PVR, Myntra, Grofers, etc) you will receive up to 250 reward points.
  • Freedom of payment – With American Express you dot need to worry about your big bills you can convert them into easy monthly EMIs. You can also pay your card bills partially or fully.
  • Fuel Convenience Waiver – with this card you will enjoy a 0% convenience fee on fuel at all HPCL fuel stations. ( transaction – up to 25,000)
  • Add on cards – Now you can share the awesome benefits of your card with your loved ones. Just add your loved ones (children, parents, family members, siblings, etc.) and they can also enjoy the benefits of a credit card.
  • Lost card liability – now you don’t need to worry about lost cards. With American Express you are completely free from any liabilities related to lost cards, thefts, or any frauds. American Express covers you against such situations (applicable only if the complaint is lodged under 3 days).
  • Charges –
  • Over limit – ₹ 500.
  • Foreign currency transaction – 5% against the transacted amount.
  • Other benefits –
  • Worldwide acceptance – this card is accepted worldwide you can transact using this card from anywhere.
  • Emergency card replacement – In case of any emergency you can replace your card at any time.
  • Contactless payment – this feature is most helpful against thefts, lost cards, or misplacement of cards as you don’t need to hand over your card for transaction. Woy can pay with just a wave at any secure reader machine. You can pay with your mobile (only if your device is supported). You are also protected against multiple waves.
  • 24X7 customer care – with American Express you can live worry-free as their customer care service is 24X7 active. You can ask for any help at any time.
  • Customer care number –
  • 1800 419 2122
  • 0124 280 1418
  • Final verdict –

If you shop online and if you want to earn more benefits from your card then ‘American Express SmartEarn Credit Card’ is the perfect card for you. It has all the offers and benefits that can make your shopping much better. Again its awesome features like low annual fee, EMI facility, Reward point-earning option, zero liability o lost cards and contactless facility makes it the first choice for you.

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