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American Express SmartEarn™ Credit Card

Rs. 500 cashback as Welcome Gift on eligible spends1 of Rs. 10,000 in the first 90 days of Cardmembership

Card Type
Annual fee
Annual Fee of Rs. 495 plus applicable taxes
Reward Earn Rate
Earn 10X Membership Rewards® Points2 on all your spending on Flipkart and Uber and earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more.
Fee Waiver
Get a renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Cardmembership

Key Benefits

Accelerated Earn Rate

Earn 10X Membership Rewards® Points2 on all your spending on Flipkart and Uber and earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more.

Welcome Bonus

Rs. 500 cashback as Welcome Gift on eligible spends1 of Rs. 10,000 in the first 90 days of Cardmembership

Renewal Fee Waiver

Get a renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Cardmembership

AMERICAN EXPRESS EMI

Convert purchases into EMI at the point of sale with an interest rate as low as 12% p.a. and zero foreclosure charges
Rewards Programme
10X Membership Rewards
Transact on Flipkart & Uber and get 10X rewards for every Rs. 50 spent2
5X Membership Rewards
Transact on Amazon, Swiggy, BookMyShow and many more and get 5X rewards for every Rs. 50 spent2
Earn 1 Membership Rewards Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilities and Cash Transactions4
Offers and Privileges
Enjoy convenience, exclusive benefits, assistance at any hour and much more. Your American Express SmartEarnTM Credit Card brings a host of special privileges, only for you.
Enjoy freedom and convenience
Enjoy the flexibility and convenience to pay your Credit Card bill, fully or partially. You can also convert your spends into easy monthly instalments with the American Express EMI
Fuel Convenience Fee Waiver
Services on your Card
  • 24X7 Card Related Assistance
  • Dispute Resolution
  • Zero Lost Card Liability5
  • Emergency Card Replacement
  • One Supplementary American Express SmartEarnTM Credit Card at no additional cost
Contactless Payment
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.
Eligibility
To save time before you apply for your Card, it’s best to make sure you can say yes to the following:
  • I/We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status.
  • I understand American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat & Vadodra subject to conditions.
  • I am Employed and have a Personal Annual Income of INR 4.5 lakhs and above or Self Employed with a Personal Annual Income of INR 6 lakhs and above.
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Ready to Apply

Get cashback of Rs. 500 as a Welcome Gift on spending Rs. 10,0001 in the first 90 days of Cardmembership
Footnotes
    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.

    2. For example, for a spend of Rs. 50 on an eligible merchant the Cardmember will get 10 Membership Rewards Points (if merchant is under 10X category) and 5 Membership Rewards Points (if merchant is under 5X category). Under 10X category, 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. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please visit www.americanexpress.com/in/pdf/edsmerchants1. 10X category means Cardmember earns 9 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 45 additional Membership Rewards Points. 5X category means Cardmember earns 4 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 20 additional Membership Rewards Points.


    3. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.


    4. 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.


    5. 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.