American Express SmartEarnTM Credit Card
First Year fee: 495 plus Applicable Taxes
Second Year onwards: 495 plus Applicable Taxes
Income Eligibility:
Annual Income for Employed INR 4.5 Lacs and above or
Annual Income for Self-Employed INR 6 Lacs and above
Highlights
- Get rewarded for your spends with 10X 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 or more in the previous year of the Cardmembership.
1. 10X Membership Rewards Points will be capped at 500 points per month per card account each for Flipkart and Uber. 5X Membership Rewards Points will be capped at 250 points
per month per card account for all merchants in the 5X category. Effective 20th Jan, 2020, you will no longer earn 5X/10X Membership Rewards Points on EMI transactions
at Point of Sale EMI transactions on 5X/10X Merchants.
2. Cardmember will earn 10X and 5X Points for every Rs. 50 spent at select merchants partners only. Please note that the merchant partners may change from time to time. To view the list click here. For example, a spend of Rs. 50 on an eligible merchant will get you 5 MR Points (if merchant is under 5X Bonus category) and 10 MR Points (if merchant is under 10X Bonus category).
3. Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.
4. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.
Most Important Terms & Conditions
2. Cardmember will earn 10X and 5X Points for every Rs. 50 spent at select merchants partners only. Please note that the merchant partners may change from time to time. To view the list click here. For example, a spend of Rs. 50 on an eligible merchant will get you 5 MR Points (if merchant is under 5X Bonus category) and 10 MR Points (if merchant is under 10X Bonus category).
3. Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.
4. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.
Most Important Terms & Conditions
Good For
Rewards
Shopping
Dining