Smart Earn Credit Card Benefits | American Express IN

Getting started is easy with your new American Express SmartEarn^TM Credit Card Benefits.

Here is some helpful information related to your Card.

Activating your Card

Activate your Card and select a PIN via any the following ways:

Download the American Express^® App.

Enter Card Details. Create User ID and Password.

Set a PIN of your choice and Activate your Card.

If you already have the Amex App, log in and go to ‘Account’ tab and select ‘Activate and Add Card to your Account’ option.

Manage your Card account on-the-go, and get more done with a few taps on the American Express App

Enjoy quick & secure access with just your fingerprint.

Set up real-time purchase alerts, spend tracking alerts, payment due date reminders, and weekly balance alert.

Access last 6 months’ statements in a simple PDF format.

View and redeem the reward points you have earned.

Reset your Online Account User ID or Password.

Block your Card temporarily if you have misplaced it*.

Chat with us on the App for quick support.

View, change, or unlock your PIN. Know more

Click below to download or give us a missed call at 7043337788 to receive a download link on your mobile phone.

-Opening in new window Download App

Register for online services at americanexpress.com.in/activate

Set a PIN of your choice and activate your Card.

Register and enjoy the ease of managing your account anytime, anywhere.

View your Account balance and pay your bill online

Set up SMS and email alerts to help keep up to date

Register for special offers and updates

View, change or unlock your PIN. Know more.

Track your Membership Rewards^® Points balance

-Opening in new window Register Now

Call the helpline number.

Follow the IVR to set a PIN of your choice and activate your Card.

Register for online services at americanexpress.co.in or via the Amex App.

Using your Card

With Amex Pay, you can use your device to make payments with your eligible Card. All you need to do is activate your Card for Amex Pay in the Amex App, and look out for the Bharat QR code at merchants to pay. If you have an NFC enabled Android device, you can use it to make Contactless payments.

You can also use Samsung Pay for your in-store purchases.

amex-everyday-payments-hub-Opening in new window Know More

No more writing cheques or standing in queues. Pay mobile, electricity, insurance and other utility bills with American Express EPAY.

American Express EPAY gives you the ease and convenience of making online payments in a quick and secure manner. With Amex EPAY, you can -

Choose to make a one-time payment, or sign up to pay bills automatically.

Keep track of your previous bills

Avoid late fees because your bill will be paid on time.

-Opening in new window Register Now

Now get personalized offers, in your Card account and enjoy great savings.

Explore this benefit by following these three steps:

Login to your Card Account and scroll down to 'AMEX Offers' on the home page

Select and save the offers you like.

Avail your offer and get offer benefits

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Your Cardmembership opens up the world to you with your Card being accepted online, on your street and all over the world. You can use your Card for practically anything and everything, across purchases such as:

Shopping

Dining

Travel

Online

Education

Utilities

Fuel

Entertainment

Saving your new American Express Card details at your favourite online retailers is the most convenient way to quickly make purchases online. Check out faster whenever you shop online at places like Amazon, Flipkart, Myntra, Uber, Swiggy, Paytm, Big Basket, BookMyShow and many more

Managing your Card

Once you register for Online Account Services, you can easily access your Card Statement. To ensure your payment due date is set to one convenient for you, please contact Customer Services to discuss changing the date your statement is sent each month. If your Account is currently overdue for payment, please make the payment before requesting any change.

You can pay your Card bill through any of the following ways:

Online Funds Transfer: NEFT

Online Payment : Debit card powered by Rupay; UPI/BHIM-UPI; UPI QR Code/BHIM-UPI QR Code

Recurring Direct Debit/NACH

Drop Boxes

Courier

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Stay on top of your Account with our wide range of alerts – from balance updates, real-time transaction alerts to payment due date reminders.

You can do this by logging into your account and setting up the alerts of your choice.

You can also set up push notifications through the Amex App.

-Opening in new window Set up alerts

If your Card is lost, stolen, damaged or not received you can order a replacement Card for yourself or your additional Cardmembers on your Account by calling up Customer Care. Know more

Refer a friend and earn Points

Spread the word. Refer your friends and you can earn up to 1,50,000 reward points in a year. Limited period offer. TnC Apply.

Refer Now

Share your world of benefits

Share your Card priveleges with your friends and family by giving them a supplementary Card

Apply Now

The American Express App

View your reward points, set up alerts and manage your account on the go with the Amex App

Download Now

For Frequently Asked Questions, please visit the Help Center

Make your life more rewarding

WELCOME GIFT

With your American Express SmartEarn Credit Card earn points on the things you buy every day. To help you kick-start your journey, get Rs. 500 cashback as Welcome Gift in the form of statement credit on eligible spends¹ of INR 10,000 in the first 90 days of Cardmembership.

LOW ANNUAL FEES

With an annual fee as low as INR 495+ taxes per year, get more value out of your Cardmembership with rewards and benefits at every step.

SPEND BASED FEE WAIVER

Roll over to the next year of your Cardmembership with a waiver on your annual fee. All you need is eligible spend of INR 40,000 and above in the previous year of your Cardmembership.

Make everyday spends more rewarding

We know everyday expenses can add up, but with the American Express SmartEarn Credit Card, here’s a chance to make them more exciting!

Here's how you can unlock rewards as you go about your daily chores and purchases -

For every INR 50 you spend, earn 1 Membership Reward point²
Get more out of your everyday purchases, with 10X and 5X points on your spends at a host of merchants
Refer a friend and earn 5000 points on each successful referral³

You can earn up to 1,250 Membership Rewards points on the American Express SmartEarn Credit Card every month by spending only INR 7,500

On Spending INR 2500 in a month on our 10X Partner (Flipkart), you can earn 500 Membership Rewards points
On Spending INR 2500 in a month on our 10X Partner (Uber), you can earn 500 Membership Rewards points
On Spending INR 2500 in a month on our 5X Partners, you can earn 250 Membership Rewards points

So now, spend more and enjoy accelerated benefits with your American Express SmartEarn Credit Card.

Redeeming is easy rewarding.

Enjoy more ways to spend your Membership Rewards points by redeeming your points from the Membership Rewards Catalog.

Choose from our wide selection of shopping categories and exchange your points for gift cards or eVouchers.

You can also Pay for your Card charges using Membership Rewards Points.

Explore Rewards Catalogue

1.Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends. Welcome Gift is available only in the first year on payment of the annual fee.

2. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards. Effective February 1, 2020, you would not earn Membership Rewards® points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you would continue to earn Membership Rewards® points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.

3. Limited period offer. Terms and conditions apply

Earn 10X Membership Rewards Points for all expenses made on Flipkart and Uber!

From seamlessly moving around the city in the comfort of your taxi to saving time by making purchases online, here are two partners who reward you 10X Membership Reward Points for your expenses!

10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Uber.

10X Membership Rewards points partners:

Unlock everyday rewards with 5X Reward Points

Your essentials are now more rewarding as you earn 5X Membership Rewards Points for all your everyday expenses like groceries, online shopping, cabs, movies, dining and more.

5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together.

5X Membership Rewards points partners:

Groceries

Movies

Online Shopping

Shop at your favorite merchants and pay as you please

Enjoy a simple and smart way to turn your big purchases at top merchants like Amazon, Flipkart etc. into Easy Monthly Installments, with the ease of your American Express^® Credit Card.

What's more, continue to enjoy 10X & 5X reward points on select merchants, in addition to the flexibility to pay over time.

Find out more

POST-PURCHASE EMI

Missed out on choosing EMI option at the store location? Convert your big purchaes into EMI -

SMS EMI to 5616166
Email us at emi@aexp.com
Call our 24X7 customer service number

LOW INTEREST RATES

Enjoy a simple and smart way to turn your big purchases into equated monthly installments, with the ease of your American Express Credit Card. With interest rates as low as 14%, you can enjoy shopping without any worries.

HASSLE-FREE PAYMENTS

Choose to repay your loan amount before the tenure without having to worry about foreclosure charges.

With our backing, don't let the hassles of documentation hold you back.

Services and conveniences on your Card

Your Card is power packed with features that are designed for your convenience.

From flexible payment options, add-on Cards to maximize your benefits, to 24X7 assistance, with the powerful backing of American Express, you can enjoy your Cardmembership seamlessly.

These are the services that you can enjoy with your Card -

You can call us 24/7 for any Card related assistance that you may need like emergency Card replacement, dispute resolution, insurances, settling instructions and more.

Stay protected from any fraud arising out of any unauthorized use of the Credit Card. Report within 3 working days and your liability to American Express shall be nil*.

Life is full of surprises and uncertainties. Therefore, brace yourself with the Emergency Card Replacement Service, which, in case of a lost, stolen or damaged Card, promptly replaces it with a new one.

Cardmember liability is nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days then the maximum liability of the customer will be limited to Rs. 1,000. For further details, please refer MITC

0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 25,000 and 0.3% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 25,000 and above.

Your American Express Card may be enabled for contactless payments. To see if your Card is contactless, look for the contactless symbol network on the front and back of your Card. To make a Contactless purchase, touch your Card on the front of the specially marked American Express Contactless reader. For purchases of less than Rs.2,000, you will not need to enter your Personal Identification Number (PIN) or sign. To know more visit here

Amex Pay is a mobile payment solution that allows you to make contactless or QR code based payments at participating merchants using the Amex App.

You can make contactless purchases with your eligible Android device wherever American Express^® contactless payments are accepted. Just look for the contactless symbol at check-out.

You can also use it to make a payment using the QR functionality wherever you see the American Express logo on a Bharat QR sticker. To know more visit here.

Simply register your Card for Amex Pay on the Amex App. If you don’t have the Amex App, click here to download or give us a missed call at 7043337788 to receive a link to download the App

*Footnote: Cardmember liability is nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days then the maximum liability of the customer will be limited to Rs. 1,000. For further details, please refer MITC.

Welcome aboard.

Your journey to a rewarding life starts here.

Getting started is easy with your new American Express SmartEarn^TM Credit Card Benefits.

Here is some helpful information related to your Card.

Activating your Card

Call the helpline number.

Follow the IVR to set a PIN of your choice and activate your Card.

Register for online services at americanexpress.co.in or via the Amex App.

Using your Card

Managing your Card

If your Card is lost, stolen, damaged or not received you can order a replacement Card for yourself or your additional Cardmembers on your Account by calling up Customer Care. Know more

Make your life more rewarding

Make everyday spends more rewarding

Redeeming is easy rewarding.

Earn 10X Membership Rewards Points for all expenses made on Flipkart and Uber!

10X Membership Rewards points partners:

Unlock everyday rewards with 5X Reward Points

5X Membership Rewards points partners:

Groceries

Movies

Online Shopping

Shop at your favorite merchants and pay as you please

POST-PURCHASE EMI

LOW INTEREST RATES

HASSLE-FREE PAYMENTS

Services and conveniences on your Card

You can call us 24/7 for any Card related assistance that you may need like emergency Card replacement, dispute resolution, insurances, settling instructions and more.

Stay protected from any fraud arising out of any unauthorized use of the Credit Card. Report within 3 working days and your liability to American Express shall be nil*.

0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 25,000 and 0.3% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 25,000 and above.

Welcome aboard.

Your journey to a rewarding life starts here.

Getting started is easy with your new American Express SmartEarnTM Credit Card Benefits.

Here is some helpful information related to your Card.

Activating your Card

Via American Express® Helpline Call the helpline number. Follow the IVR to set a PIN of your choice and activate your Card. Register for online services at americanexpress.co.in or via the Amex App.

Using your Card

Managing your Card

Card replacement If your Card is lost, stolen, damaged or not received you can order a replacement Card for yourself or your additional Cardmembers on your Account by calling up Customer Care. Know more

Make your life more rewarding

Make everyday spends more rewarding

Redeeming is easy rewarding.

Earn 10X Membership Rewards Points for all expenses made on Flipkart and Uber!

10X Membership Rewards points partners:

Unlock everyday rewards with 5X Reward Points

5X Membership Rewards points partners:

Groceries

Movies

Online Shopping

Shop at your favorite merchants and pay as you please

POST-PURCHASE EMI

LOW INTEREST RATES

HASSLE-FREE PAYMENTS

Services and conveniences on your Card

24X7 Card Related Assistance You can call us 24/7 for any Card related assistance that you may need like emergency Card replacement, dispute resolution, insurances, settling instructions and more.

Zero Lost Card Liability Stay protected from any fraud arising out of any unauthorized use of the Credit Card. Report within 3 working days and your liability to American Express shall be nil*.

Fuel Waiver 0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 25,000 and 0.3% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 25,000 and above.

Getting started is easy with your new American Express SmartEarn^TM Credit Card Benefits.

Call the helpline number.

Follow the IVR to set a PIN of your choice and activate your Card.

Register for online services at americanexpress.co.in or via the Amex App.

If your Card is lost, stolen, damaged or not received you can order a replacement Card for yourself or your additional Cardmembers on your Account by calling up Customer Care. Know more

You can call us 24/7 for any Card related assistance that you may need like emergency Card replacement, dispute resolution, insurances, settling instructions and more.

Stay protected from any fraud arising out of any unauthorized use of the Credit Card. Report within 3 working days and your liability to American Express shall be nil*.

0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 25,000 and 0.3% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 25,000 and above.