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Amex Smart Earn Credit Card Review

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amex smart earn credit card

Amex Smart Earn Credit Card Review – Amex Smart Earn is most popular card with lowest Annual Fees and maximum rewards. The best feature of AMEX Smart Earn credit card is EMI conversion at flat 12% rate of interest. Additionally there is an annual fees waiver option on total billing of Rs 40,000 per year. 

Amex Smart Earn Credit Card Features

Annual fee : Annual Fee of Rs. 495 plus applicable taxes
Reward Earn Rate : Earn 10X Membership Rewards  Points on all your spending on Flipkart, Amazon and Uber and earn 5X Membership Rewards Points on Paytm wallet, Swiggy, BookMyShow and more.
Fee Waiver : Get a renewal fee waiver on eligible spends of Rs.40,000 and above in the previous year of Card membership
Welcome Benefit : Rs. 500 cashback as a Welcome Gift in form of statement credit on eligible spends1 of Rs. 10,000 in the first 90 days of Card membership.
 
3.5Expert Score
Amex Smart Earn Credit Card

The best feature of AMEX Smart Earn credit card is EMI conversion at flat 12% rate of interest. Additionally there is an annual fees waiver option on total billing of Rs 40,000 per year.

Annual Fees
3
Rewards
4
Lounge
0
Benefits
3.5
PROS
  • Lowest EMI Interest Rate of 12% plus GST
  • Processing charge is 2% of purchase amount
  • The repayment period are flexible in 3,6,9,12,18 months
  • Annual Fees waiver on Credit Card with total billing of Rs 40,000 in a year
  • Easy EMI conversion through AMEX App or Customer Care
  • No pre closure charges on pre payment of loan
CONS
  • The physical acceptance at merchant location is very less, Majorly in the Metros or tier I cities.
  • As compare to AMEX MRCC, the reward rate is not that good

Amex SmartEarn Credit Card Eligibility and Documentation

American Express SmartEarn credit card Eligibility Criteria

  • Cardholder should be over 18 years of age.

  • A salaried individual should have a Personal Annual Income of INR 4.5 Lakhs and above and a Self-Employed individual should have a Personal Annual Income of INR 6 Lakhs and above.

  • Cardholder should have savings or current account in India.

  • The applicant must be an Indian resident.

Documents Required for American Express SmartEarn credit card

  • Identity Proof – Aadhaar Card/ PAN Card/ Driving License/ Voter ID/ Passport

  • Income Proof – Latest salary slips for salaried, Income Tax Return (ITR) of 2-3 years for self-employed

  • Residence Proof – Aadhaar Card/ Utility Bills/ Driving License/ Voter ID/ Passport

Amex SmartEarn Credit Card Rewards and Offers

Membership Rewards 
 
10X rewards on Flipkart, Amazon & Uber and get 10X rewards for every Rs. 50 spent
5X Membership Rewards – Transact on Paytm Wallet, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and many more and get 5X rewards for every Rs.50 spent
 
Earn 1 Membership Rewards Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. 
 
Earn 1,250 Membership Rewards points on the SmartEarn Credit Card every month by spending only INR 7,500. 
  • On Spending INR 2500 in a month on our 10X Partner (Flipkart or Amazon), you will earn 500 Membership Rewards points
  • On Spending INR 2500 in a month on our 10X Partner (Uber), you will earn 500 Membership Rewards points
  • On Spending INR 2500 in a month on our 5X Partner, you will earn 250 Membership Rewards points

How to Apply for Amex SmartEarn Credit Card?

Amex card can be applied through Amex website or calling customer care. Visit American Express website here and apply online.

Amex Credit Card Customer Care

  • Amex Credit Card Customer Care Number

The general American Express 24*7 Customer Care Toll-Free Number is 1-800-419-2122.

American Express Membership Rewards® Credit Card: 0124-280 1418, 1800 419 0167

American Express® Platinum Travel Credit Card: 1800 419 2122, 0124-2801122

American Express SmartEarnTM Credit Card: 1800 180 1249, 0124-280-1101

  • Amex Credit Card Customer Care Email ID

The email ID of American Express credit card is customerservicesindia@aexp.com

FAQs – American Express SmartEarn Credit Card

Why should I apply for Amex SmartEarn Credit Card ?

Best feature rich credit card with annual fees of Just Rs 495+GST as compare to other Amex cards like MRCC which is having Annual & renewal fees of Rs 1500.

What is the Credit Limit of Amex SmartEarn Credit Card ?

The credit limit is offered as per salary and credit score of the individual but on an average Minimum limit offered by Amex is Rs 50,000 for this Card.

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