American Express SmartEarn™ Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply, Eligibility, Status, Limit

July 1, 2021

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American Express® SmartEarn Credit Card offer excellent benefits.

Joining Benefits :

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

Benefits

Milestone Benefits: N/A
Lounge Access (Domestic / International): N/A
Golf : N/A
Movie Tickets: N/A
Restaurant Offers:
- Up to a 15% discount at over 1,000 restaurants across major cities. See the list of participating restaurants.
Railway Surcharge waiver: N/A
Fuel: 0% Convenience fee on fuel purchase at HPCL for transaction less than Rs. 25,000 and 0.3% Convenience fee on fuel purchase per transaction is applicable for all transactions on and above Rs. 25,000
International Spend Benefits: N/A
Other Offers
- Other Partner Offers on all Amex Credit cards. See latest offers

Earn 10X Membership Rewards^® Points for every Rs 50 spend on all your spending on Flipkart, Amazon and Uber (max 500 point per month)
Earn 5X Membership Rewards Points² for every Rs.50 spent²on Paytm wallet, Swiggy, BookMyShow PVR, Myntra, Jabong, Grofers, Big Bazaar and many more. (max 250 point per month)
Earn 1 Membership Rewards Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions

Reward value is 1 reward point = approx Rs 0.25
So you get approx. 0.5% / 2.5 % / 5% worth of reward value
Reward catalogue: https://www.americanexpress.com/en-in/rewards/membership-rewards/

First year fees and Annual Fees: Rs 495 (fee waived on annual spend of Rs 40000 – approx monthly spend of Rs 3,333)

How to Apply – You can apply online at Amex website

Eligibility:

Summary

Basic card with low annual fees – beneficial for specialized spending on Uber, Flipkart, Amazon, Swiggy, Bookmyshow (2.5% to 5% benefits)