American Express SmartEarn Credit Card Review

American Express is well known for offering attractive benefits and features, and American Express SmartEarn Credit Card is not an exception among them. This card is specially designed for those customers who want to earn reward points from their shopping and everyday uses. The benefits offered by this card are big reward benefits, fuel surcharge waiver, annual fee waiver, zero lost card liability, EMI option, etc. More details of the card are given below. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹4.5 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: ₹6 lakh annually. 
  • Good CIBIL Score (Above 750).
  • For the self-employed, his/her business/company should be trading for a year.  

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹495 + GST (One time)
  • Annual Fee: ₹495 + GST (From the second year onwards)


  • Welcome benefit:

With the issuance of the card, you will get ₹500 Cash-Back as a welcome gift. You have to spend ₹10,000 within 90 days of the card issuance. 

  • Reward benefit:

For each ₹50 spend with the 10X partners (Uber, and Flipkart) you will get 10X reward points. You will get 5X reward points for the same with the 5X partners (Swiggy, Amazon, BookMyShow, PVR, Jabong, BigBazar, etc.)

You will also get 1 reward point for each ₹50 transaction on other categories. (except on Fuel, Utility, Cash transaction, EMI conversion) 

  • Fuel surcharge waiver:

This card offers a 0% convenience fee on fuel at all HPCL petrol pumps. The transaction amount should be less than ₹25,000 to claim this offer. Otherwise, it will be 0.3%. 

  • Lost card liability:

American express offers zero liability on lost cards. To enjoy zero liability you have to report the loss within 3 working days, otherwise, your liability will be limited to ₹1000.

  • Fee waiver:

If you can spend ₹40,000 with your card within a year, you will get a 100% waiver on your next year’s annual fee. 

  • Milestone benefit:

If you can spend ₹2500 within a month with the 10X partners you will get 500 reward points. And if you spend the same with the5X partners you will get 250 reward points. 

  •  Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card. You can add 1 of your family member for free.

  • EMI facility:

With this card, you can convert your big shopping bills into EMI, with an annual Interest rate of 12%. This feature is very helpful for frequent shoppers. 

  • Contactless Payment:

This card comes with an advanced contactless payment facility it is convenient, fast, and also protects your card from skimming. 


  • Cash Withdrawal Charge: 3.5% against the amount. 
  • Finance Charge: 3.50% to 3.99% monthly. 

Contact Details:

Call: 1800-419-2122

Mail: [email protected]

100xGain Ratings:


Final Opinion:

This card is best for those who want to earn reward points from their online transactions. This card is best for earning reward points. It offers up to 10X reward points for each ₹50 transactions, 0% fuel convenience fee, annual fee waiver, EMI facility, zero lost card liability, etc. If you can use this cad properly you can earn a huge benefit monthly. 

But if you want to earn Cash-Back or if you want a card that offers travel benefits and lounge access, then I would not recommend you this card. Instead to earn Cash-Back you can go for HSBC Cash-back Credit Card, and if you want to earn benefits on travel then you can go for American Express Platinum Travel Credit Card.   

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