American Express
SmartEarn
SmartEarn
The American Express SmartEarn is a credit card with an annual fee of ₹495. The joining fee is ₹495.
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Apply nowFees
| Fee | Amount | Waiver |
|---|---|---|
| Annual fee | ₹495 | |
| Joining fee | ₹495 |
Rewards
| Category | Reward | Notes |
|---|---|---|
| all | 1 points reward points | Earn 1 Membership Rewards Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale4. |
Benefits
- Cashback as Welcome Gift: Rs. 500 cashback as a Welcome Gift in form of statement credit on eligible spends of Rs. 10,000 in the first 90 days of Cardmembership.
- Annual Fee Waiver: Renewal fee waiver on eligible spends of Rs. 40,000 and above in the previous year of Cardmembership.
- Fuel Convenience Fee Waiver: Fuel Convenience Fee Waiver at HPCL.
- American Express EMI: Convert purchases into EMI at the point of sale with an interest rate as low as 14% p.a.
- Zero Lost Card Liability: 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.
- 24x7 Card Related Assistance: 24x7 Card Related Assistance.
- Dispute Resolution: Dispute Resolution assistance.
- Emergency Card Replacement: Emergency Card Replacement service.
- Contactless Payment: Contactless payment enabled on the card.
Frequently asked questions
- What is the annual fee of the American Express SmartEarn?
- The annual fee is ₹495.
- What is the joining fee of the American Express SmartEarn?
- The joining fee is ₹495.
- What income is needed for the American Express SmartEarn?
- The listed income requirement is Employed Annual Income of INR 4.5 lakhs and above or Self Employed Annual Income of INR 6 lakhs and above.
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