Secure Connection
  • Eligibilty Criteria
  • Product Highlights

2 easy steps to apply for the Card

  • 1
    Check eligibility in 30 seconds
  • 2
    Complete the application and get instant decision
Close  |

American Express SmartEarnTM Credit Card

Secure Connection

Product Highlights

  • Get rewarded for your spends with 10X1 and 5X1 Membership Rewards® Points at select merchant2 partners
  • Get cashback of Rs.500 as a Welcome Gift on spending Rs.10,0003 in the first 90 days of Cardmembership, enough to set off your first year card fee
  • Get a renewal fee waiver4 on eligible spends of Rs.40,000 and above in the previous year of the Cardmembership

Annual Fee
American Express SmartEarnTM Credit Card

First year fee: Rs. 495 plus applicable taxes Second year onwards: Rs. 495 plus applicable taxes
View footnotes MITC
Terms & Conditions
Close  |

American Express SmartEarnTM Credit Card

Eligibility Criteria

  • Income Criteria: I am Employed and have a Personal Annual Income of INR 4.5 lakhs and above or Self Employed with a Personal Annual Income of INR 6 lakhs and above.
  • You must hold a Credit Card of any other bank.
  • We currently issue Cards in:
  • Ahmedabad
  • Bengaluru
  • Bhopal
  • Bhubaneswar
  • Chandigarh
  • Chennai
  • Cochin
  • Coimbatore
  • Delhi/NCR
  • Ernakulum
  • Hyderabad
  • Indore
  • Jaipur
  • Kolkata
  • Mumbai
  • Pune
  • Surat
  • Vadodara
  • Vijayawada
  • Vizag

Resident Address 1 ( H. No., Floor No... etc)

Resident Address 2 ( Street , Near by... etc)

Resident Address 3 ( Street , Near by... etc)


  By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions and disclosures provided in the Cardmember undertaking. I request that an American Express SmartEarnTM Credit Card account(s) be opened for me and for American Express SmartEarnTM Credit Card to be issued as requested.
  1. I hereby give an explicit consent to AEBC for collecting/downloading and verifying my details with/form CKYCR registry basis information/details provided. In the case the details provided does not match with CKYCR registry, I shall provide the revised correct information/details with AEBC.
  2. I / We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status.
  3. I authorize American Express Banking Corp. (AEBC) to verify information in this application and to receive and exchange information about me including requesting reports from my bank, consumer credit, social media, reference schemes or credit information companies/bureaus and Credit Information Companies (CIC) as authorised by Reserve Bank of India. I authorize AEBC and its affiliates/representatives/agents to contact the aforesaid sources for information pertaining to me at any time, to use information from this application and information obtained from aforesaid sources for operational, administrative and marketing purposes and to service the card account(s) and to share such information with each other. I declare and undertake that the card(s) issued to me, if used overseas shall be used strictly in accordance with the extant Exchange Control Regulations issued by the Reserve Bank of India (RBI).
  4. In the event that I exceed my entitlements as per the Exchange Control Guidelines of the RBI, I undertake to bring the same immediately to the notice of AEBC, in writing. Obtaining any approval from RBI for excess foreign exchange spending shall be my responsibility.
  5. I understand that the basic cardmember will be liable for all charges incurred on the basic card, any additional card and any supplementary card. The Supplementary Cardmember accepts joint and several responsibility for all charges incurred on the supplementary card issued to him/her.
  6. I agree to be bound by the cardmember terms and conditions of use which will accompany the card. I confirm that American Express® has shared the Most Important Terms and Conditions (MITC) for the American Express Membership Rewards® Credit Card with me in compliance of the RBI master circular on credit card operations of banks and I have read understood and accept the MITC and agree to sign this undertaking.
  7. I understand that AEBC may decline this application at its absolute and sole discretion. We would like to assure you that American Express® strongly respects and honours customer privacy. If you wish to view the American Express® Privacy policy please log on to https://www.americanexpress.com/in/content/privacy-statement.html I accept that the additional factor of authentication is mandated by RBI vide letter DPSS.PDCONO223/02.14.003/2011-12 dates August 4, 2011 and use such cards for travel and related CNP Transactions without such additional factor of authentication carries security risk and such cards are vulnerable to frauds.
  8. I understand that in the event of changes in correspondence address due to relocation or any other reason, I will intimate my new address to the bank within two weeks of such a change. I understand that in the event of change in the address mentioned as per proof of address, I will submit fresh proof of address to the bank within a period of three months of such a change.
  9. I Authorize American Express® Banking Corp. to use the information/details provided earlier for the purpose of processing my card application. I Confirm that the information/details provided earlier are true and correct as of date. This Application form is intended only for card members who were in receipt of the original solicitation email.
  10. I provide my consent to be contacted on the email and mobile number shared by me, even if I am registered with the National Customer Preference Register (NCPR) and opted out of receiving all promotional calls and messages. I understand that my personal and sensitive information shall be used and shared by AEBC in accordance with its Privacy Policy as updated on the website. For details of Privacy Principles please log on to https://www.americanexpress.com/india/microsite/privacy_statement/
  11. I understand and agree that the first payment made on my Amex card will be made via a Know Your Customer (KYC)-complied account as maintained by me with another Scheduled Commercial Bank in India. I also understand that in the event I make the first payment via cash towards my Amex Card, my card account will be permanently cancelled without any further notice and will not be eligible for reinstatement.