Rs. 500 cashback on spending Rs. 10,000 in the first 90 days
Rewards
10X Membership Rewards Points for every Rs. 50 spent on Flipkart, Amazon, and Uber.
Fuel
No convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps.
Best Feature:- 10X Membership Rewards Points on every Rs. 50 spent on Flipkart, Amazon and Uber
The American Express SmartEarn™ Credit Card is the ideal choice for online
shopping enthusiasts who want to make the most of their purchases. With a joining fee of just ₹495
and a range of exciting benefits, this card offers accelerated reward points and exclusive perks
for frequent shoppers. Earn 10X Membership Reward Points on purchases made with popular online
brands like Zomato, Flipkart, Myntra, Nykaa, and many more. In addition to these rewards, you also
receive cashback, gift vouchers, and fee waivers on reaching certain spending milestones. You can
get your annual fee waived by spending more than ₹40,000 in a year. This entry-level credit card
is perfect for young professionals or anyone looking to get started with American Express.
10X Membership Rewards® Points: Earn on Zomato, Flipkart, Myntra, BlinkIt, Uber, Nykaa,
Ajio, PVR, and BookMyShow (Capped at 500 points/month per category).
5X Membership Rewards® Points: On every ₹50 spent on Amazon (Capped at 250 points/month).
1 Membership Reward Point: For every ₹50 spent in other categories except for fuel,
insurance, utilities, cash transactions, and EMI conversions at POS.
Maximum 1,250 Reward Points per month at an accelerated rate for eligible transactions.
Welcome Benefit
Receive ₹500 cashback as a statement credit on spending ₹10,000 in the first 90 days of card membership.
Milestone Benefits
Earn vouchers worth ₹500 each on achieving spending milestones of ₹1.20 Lakh, ₹1.80 Lakh, and ₹2.40
Lakh in a membership year.
Vouchers are redeemable at brands such as Amazon, Flipkart, PVR, Myntra, MakeMyTrip, Lifestyle,
Shoppers Stop, and more.
Annual Fee Waiver
Waive off the annual fee of ₹495 by spending ₹40,000 or more in the previous membership year.
Reward Redemption Options
Use Membership Rewards Points to pay credit card charges.
Redeem points for vouchers or items from the Membership Rewards catalog.
Transfer points to hotel and airline loyalty programs such as Asia Miles, Emirates Skywards, Club
Vistara, Marriott Bonvoy, and more.
Dining & Entertainment Benefits
10X Membership Rewards Points: On Zomato, PVR, and BookMyShow.
Fuel Convenience Fee Waiver
0% convenience fee on fuel purchases below ₹5,000 at HPCL petrol pumps.
1% convenience fee on fuel purchases above ₹5,000 at HPCL petrol pumps.
EMI Conversion
Convert purchases into EMIs at the point of sale with interest rates as low as 14% p.a.
and zero foreclosure charges.
American Express SmartEarn™ Credit Card Eligibility:
Membership Rewards Points never expire and can be redeemed anytime.
You can get 1 add-on card for free. Additional cards are charged at ₹250 each.
Yes, the card supports contactless payments for transactions up to ₹5,000.
The annual fee is ₹459 plus taxes, but it is waived if your annual spending exceeds ₹40,000.
Earn 5X points on Amazon, Swiggy, and BookMyShow, and 10X points on Flipkart and Uber.
The interest rate is 3.5% per month, which increases to 3.99% if you miss a payment.
It takes 24 to 48 hours for your reward points to update after a transaction.
Yes, but cash advances come with a fee of 3.5% of the withdrawn amount, plus interest.
The forex markup fee is 3.5% of the transaction amount for international purchases.
You can apply online via the official American Express website by filling out an application
form and submitting your documents.
Quick Links to Manage your American Express® Credit Card
Please click the links below to find details and instructions related to American Express® Credit Cards
that can help you in easily managing your card:
American Express Bank
Shopping
Reward Points
Welcome Benefit
Fuel
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