Card Image
American Express SmartEarn
Annual Fee
₹495
Rewards/₹100 ⓘ
₹0.50 - ₹5.00
Normalized to balance base rate with bonus categories
At a Glance
Key Benefits
Reward points
Lounge Access
No lounge access
Eligibility
Any income level, Age: 21-60 years
Quick Details
Annual Fee
₹495
#74
Joining Fee
₹495
#77
Forex Markup
3.50%
#75
Rewards/₹100
₹0.50 - ₹5.00
#49
Reward Type Reward Points
Reward Currency Points
Min Monthly Income ₹NaN
Network AMERICAN EXPRESS
forex_markup 3.50%
Fee Waiver on Spend ₹40,000/yr
Reward Structure
Accel
Flipkart, Amazon, Uber
₹5.00 /₹100
Base
All Other Spends
₹0.50 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days.
Fraud
₹0
Zero liability for unauthorized transactions.
Quick Analysis
The American Express SmartEarn stands out with its impressive reward structure offering up to ₹5.00 per ₹100. The ₹495 annual fee is justified if you spend enough to maximize rewards. Recommended for those who can align their spending with bonus categories.
Pros
- Low annual fee of just ₹495
- Annual fee waiver on spending ₹40000
- Good reward rate of up to ₹5.00 per ₹100
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High income requirement of ₹360K per month
Best For
Entry-level Amex users seeking high rewards on online shopping
Frequently Asked Questions
What are the fees for American Express SmartEarn Credit Card?
The American Express SmartEarn Credit Card has a joining fee of Rs 495 and annual fee of Rs 495. The annual fee can be waived on spending Rs 40,000 in the previous year.
What is the eligibility criteria for American Express SmartEarn Credit Card?
To be eligible for the American Express SmartEarn Credit Card, you need a minimum monthly income of varies based on profile, age between 21-60 years, and a credit score of 700+. American Express customers with existing relationships may get preferential treatment.
What rewards does American Express SmartEarn Credit Card offer?
The American Express SmartEarn Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 0.50. Points can be redeemed for vouchers, merchandise, or travel bookings through the American Express rewards portal.
Does American Express SmartEarn Credit Card offer airport lounge access?
The American Express SmartEarn Credit Card may provide limited or no complimentary lounge access. Please check with American Express for the latest lounge access benefits.
How can I apply for American Express SmartEarn Credit Card?
You can apply for the American Express SmartEarn Credit Card through American Express official website, mobile app, or by visiting your nearest American Express branch. Existing customers can also apply through net banking.
User Reviews
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