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American Express SmartEarn Credit Card
Smart rewards for everyday spending
Annual Fee
₹1,500
Cashback Rate
5% Categories
Welcome Bonus
₹2,000
Key Features & Benefits
5% on Online Shopping
5% cashback on online shopping and digital purchases
5% on Utilities
5% cashback on utility bill payments and telecom
Welcome Bonus
₹2,000 cashback on spending ₹20,000 in first 90 days
SmartEarn App
Easy cashback tracking and redemption via mobile app
Fraud Protection
World-class security and fraud monitoring
Global Acceptance
Accepted worldwide with premium Amex benefits
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Online Shopping | 5% | ₹1,000 |
| Utilities & Telecom | 5% | ₹500 |
| Fuel | 1.5% | ₹200 |
| All Other Spends | 1% | Unlimited |
Cashback Credit: Statement credit within 90 days
Minimum Cashback: ₹500 per redemption
Maximum Cashback: ₹1,700 per month
Fees & Charges
Annual Fee
₹1,500
Joining Fee
₹1,500
Fee Waiver
On ₹1,80,000 annual spends
Interest Rate
3.5% per month
Cash Advance Fee
2.5% (Min ₹300)
Foreign Currency Markup
3.5%
Eligibility Criteria
Requirements
- Age: 18+ years
- Minimum Income: ₹20,000 per month (Salaried)
- Minimum Income: ₹2,50,000 per annum (Self-employed)
- Credit Score: 700+ (preferred)
- Previous credit history
- Valid Indian address
Required Documents
- Identity Proof (PAN mandatory)
- Address Proof (Aadhaar/Utility Bill)
- Income Proof (Salary slips/ITR)
- Bank Statements (3 months)
- Employment verification
- Recent photographs
Pros & Cons
✓ Pros
- High online shopping cashback (5%)
- Good utility rewards (5%)
- Attractive welcome bonus
- Global acceptance
- Premium Amex benefits
- No minimum redemption hassle
- SmartEarn app convenience
✗ Cons
- High annual fee waiver threshold
- Monthly cashback caps
- No airport lounge access
- Limited acceptance vs Visa/MC
- High minimum redemption (₹500)
- No dining bonuses
Apply for American Express SmartEarn Credit Card
Perfect For
- ✓ Online shopping enthusiasts
- ✓ Digital payment users
- ✓ Utility bill payers
- ✓ International travelers
- ✓ Amex benefit seekers