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

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American Express® SmartEarn Credit Card offer excellent benefits.

Amex Express SmartEarn Credit Card 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:
  • 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

Rewards Collection

  • 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 spent2 on 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

Rewards Redemption

Amex Platinum Reserve Credit Card Fees 

  • 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:

  1. Annual  Income – Salaried 4.5 lakhs) , Self Employed – INR 6 Lakhs or more
  2. Existing Credit Card member of any bank
  3. Resident of India (as defined under the Income Tax Act of India)
Summary

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