1. Home
  3. Card Listing

  5. Card Details

Amex Smart Earn Credit Card

4 from 3000 Users

All Card USPs

₹500 Welcome Cashback on Eligible Spends

as a statement credit on spending ₹10,000 within the first 90 days of card membership

10X Membership Rewards on Partner Brands

on every ₹50 spent at partners like Zomato, Ajio, Nykaa, BookMyShow, Uber, EaseMyTrip

Gift Vouchers Worth ₹500 on Annual Spend Milestones

on achieving spend milestones of ₹1.20 lakhs, ₹1.80 lakhs, and ₹2.40 lakhs in a card membership year

Best For

Shopping

Online Food Ordering

Dining

Travel

Joining/Annual Fees

Joining Fees

₹584 ( ₹495 + GST )

The joining fee is effectively offset through a ₹500 welcome cashback, covering the ₹495 + GST joining fee.

Annual Fees

₹584 ( ₹495 + GST )

N/A

Eligibility

Age Criteria

21-65 years

Salary Criteria

4.5 LPA

Credit Rating*

700+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.40

Redemption Options

N/A

To check redemption catalogue

N/A

All Card Benefits

All Benefits

  • Earn 10X Membership Rewards® Points on spends at Zomato, Flipkart, Uber, BookMyShow, Ajio, Nykaa, EaseMyTrip
  • Earn 5X Membership Rewards® Points on Amazon spends
  • Earn 1 Membership Rewards® Point for every ₹50 spent on all other eligible purchases
  • Earn up to 1,250 Membership Rewards® Points per month, as per card program limits
  • Get ₹500 welcome cashback as statement credit on meeting spend criteria within 90 days
  • Earn gift vouchers worth ₹500 on achieving annual spend milestones of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh
  • Enjoy a renewal fee waiver on spending ₹40,000 or more in the previous card membership year
  • Avail fuel convenience fee waiver at HPCL fuel stations, as per applicable terms
  • Convert purchases into EMIs at the point of sale with flexible repayment options
  • Stay protected with Zero Lost Card Liability, dispute resolution support, and emergency card replacement
  • Make fast and secure payments using contactless card technology

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Transactions

Cash Withdrawals

Wallet Loads

Rent Payments

EMI Transactions or Spends converted to EMI (pre or post-purchase)

Government and Statutory payments

Education Payments

Insurance Premium Payments

Utility Bill Payments

Gift Card or Voucher Purchases

Gambling or Lottery Transactions

Cryptocurrency or Digital Asset Transactions

Cancelled or Reversed or Refunded Transaction

For Spends Waiver

Fuel Transactions

Cash Withdrawals and Cash Advances

Wallet Loads

Rent Payments

EMI Transactions or Spends converted to EMI (pre or post-purchase)

Government and Statutory Payments

Education Payments

Insurance Premium Payments

Utility Bill Payments

Gift Card or Voucher Purchases

Gambling or Lottery Transactions

Cryptocurrency or Digital Asset Transactions

Bank Fee Structure

StructureDetails
Forex Markups

3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

3.5%
APR Fees

Finance charges of 3.5% per month (≈ 42% p.a.) ; may increase up to 3.99% per month (≈ 47.88% p.a.) on missed or overdue payments.

3.5%
ATM Withdrawl

3.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹250, if applicable).

3.5%
Reward Redemption Fees

N/A

N/A
Link for all T&Cs
Click Here
Railway Surcharge

A 1.8% surcharge applies (minimum of ₹10) if booked through IRCTC.

1.8%
Rent Payment Fees

A 1% surcharge applies on rental transactions made using the credit card. 

1%
Cheque Payment Fees

A fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal.

N/A
Cash Payment Fees

N/A

N/A
Late Payment Fees

30% of the minimum amount due, with a minimum of Rs.500 and a maximum of Rs.1,000, is applicable

Amount Due

Apply for this card

TOP USPs

₹500 Welcome Cashback on Eligible Spends

as a statement credit on spending ₹10,000 within the first 90 days of card membership

10X Membership Rewards on Partner Brands

on every ₹50 spent at partners like Zomato, Ajio, Nykaa, BookMyShow, Uber, EaseMyTrip

Apply Now