Joining Fees | Rs. 495 + Applicable GST. |
Annual Fee | Rs. 495 + Applicable GST. |
Best Suited For | Rewards & Online Shopping. |
Welcome Benefits | Rs. 500 only if they spend at least Rs 10,000 in the first 90 days of the card membership. |
Rewards | Reward Points. |
Forex Fee | 3.5% |
Income Required | Rs. 4.5 Lakh p.a. for Salaried Applicants. Rs. 6 Lakh p.a. for Self-employed Applicants. |
Welcome Benefit:
Renewal Fee Waiver:
Gift Vouchers:
Amex rewards points on SmartEarn credit card:
EMIs With SmartEarn Credit Card:
With American Express SmartEarn™ credit card, users can easily choose to pay the bill fully or partially as the card allows you to convert the purchases into monthly installments for all purchases above a certain threshold at point of sale with rate of interest starting from 14% p.a. American Express EMIs also come with zero foreclosure charges.
Fuel Convenience Fee Waiver:
Other Benefits:
Also Check: American Express Credit Card Customer Care
Also Check: American Express Credit card Benefits
Bounce Charges: American Express charges Rs 100 per statement for retrieving credit card statements that are older than three billing cycles and a fee of Rs 250 per transaction if cheque/ECS/NACH is returned.
Also read: Best Credit Cards for Airport Lounge Access
American Express demands certain documents that can be submitted for KYC purposes of Amex credit cards and Amex charge cards. This includes…
Also Check: American Express Credit Card Bill Payment
You can apply for the desired American Express card from MyMoneyMantra. An individual can select between an Amex SmartEarn™ credit card, Amex charge card and Amex corporate card. A user can also check the credit score before applying for a credit card.
American Express Credit Card Application Through Amex Online
Step 1: Go to American Express website, select the desired credit card that suits best according to your income levels, nature of expenses and the benefits offered.
Step 2: Provide your personal details including name, date of birth, email address, mobile number and complete residential address.
Step 3: Quote your PAN, alongside the employment status.
Step 4: Read the Terms & Conditions and tick the check box for agreeing the same.
Step 5: Click on ‘Agree & Continue’.
American Express Credit Card Application Through MyMoneyMantra
Step 1: Go to MyMoneyMantra’s American Express credit card page,
Step 2: Click on ‘Apply Now’. You’ll be redirected to the American Express SmartEarn credit card page.
Step 3: Now you can fill in your personal credentials including your name, date of birth, phone number, email address and residential address.
Step 3: After this, you will be required to share the PAN and employment status.
Step 4: Tick the check box after reading the Terms & Conditions
Step 5: Click on ‘Agree & Continue’.
For American Express cards, an individual can select between an Amex credit card and Amex charge card. Also, you can check the latest credit score beforehand to make sure that your credit profile is in good shape.
A user can also cross-examine other credit cards offering relatively similar features before taking the final decision. All the following credit cards are offered for the same annual/joining fee as it is for the American Express SmartEarn credit card.
Credit Card | Annual/Joining Fee | Main Benefits | Annual/Renewal Fee Waiver |
---|---|---|---|
HDFC MoneyBack Credit Card | Rs 500 + GST | Users can avail up to 20% discount on restaurant bill payments via Swiggy Dineout. You can earn 2 reward points on every Rs 150 spent and 2X reward points for online spends. Get 1% fuel surcharge waiver up to Rs 250 per statement for transactions between Rs 400 and Rs 5,000. | The annual fee waiver is available if the card member crosses a spend threshold of Rs 50,000 in a calendar year. |
SBI SimplyCLICK Credit Card | Rs 499 + GST | Card members can earn 10X reward points on merchant partners including Apollo 24x7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds and Yatra. SBI issues Rs 2,000 e-vouchers on hitting yearly online spends of Rs 1 Lakh and Rs 2 Lakh, respectively. | Card members can qualify for an annual fee waiver in the subsequent year on surpassing a spend threshold of Rs 1 lakh in the previous year. |
Axis Ace Credit Card | Rs 499 + GST | Users can enjoy 4 complimentary domestic lounge visits in a year. A cashback of 5% is available on utility bill payments including electricity, internet, gas & mobile recharges done through Google Pay. Spends on Swiggy, Zomato & Ola provide a 4% cashback, while a 2% cashback is available on all other spend categories. | Joining fee waiver on spends of over Rs 10,000 in first 45 days of card issuance. Annual fee is waived off from second year on yearly spends of more than Rs 2 lakh. |
ICICI Bank Coral Credit Card | Rs 500 + GST | You can enjoy a 25% discount on movie tickets purchased through BookMyShow & Inox, twice in a month. One complimentary railway lounge visit is offered per quarter and a customer can get eligible to earn up to 10,000 additional rewards points. | Annual fee from second year can be waived off if you spend more than Rs 1.50 lakh in the previous year |
Standard Chartered Bank Smart Credit Card | Rs 499 + GST | Cardmembers can earn a flat 2% cashback on online spends and 1% cashback on other spends. You can avail an extended interest-free period for the first 90 days from the date of card issuance by paying the minimum due amount only. | Users can qualify for renewal fee waiver from second year onwards on spending Rs 1.20 lakh in the preceding year |
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The credit limit for American Express credit cards is different for different customer profiles. As Amex SmartEarn credit card demands a minimum annual income of Rs 4.5 lakh, an applicant can expect a credit limit of at least Rs 90,000 if monthly EMIs and repayments are not exceeding the net monthly income.
Amex SmartEarn credit card has a feature of renewal fee waiver. American Express waives off the renewal fee of Rs 495 if the spends on SmartEarn credit card surpass Rs 40,000 in the preceding year of card membership.
Amex credit card limit is strictly authorised and monitored with respect to the net earnings, liabilities, status of employment, age and ongoing credit score. An Amex user can try improving all these fields to qualify for a credit limit increase.
American Express SmartEarn credit card allows cash withdrawal from the ATM. Amex has fixed the cash withdrawal limit to 20% of the sanctioned credit limit or $333 every 14 days, whichever is lower. Assuming a credit card limit with a limit of Rs 5 lakh with Rs 70,000 outstanding, a user can withdraw cash up to a value of Rs 86,000.
The annual percentage rate (APR) on Amex SmartEarn credit cards is fixed at 3.50% per month. Noticeably, the APR is the same for all Amex credit cards.
Membership Rewards Points offered by American Express credit and charge cards don’t have an expiry date and the same stands good to be redeemed till the credit card account is active.
No, Amex SmartEarn credit card doesn’t offer complimentary airport lounge access as it is a basic credit card that comes packaged with less premium benefits.
Amex credit cardholders should immediately report the status of the card to American Express as soon as they know it. This could help you get the credit card blocked to avoid any misuse and fraudulent transaction.
A credit score in good shape is the basic requirement for credit card issuance. Individuals who don’t have a credit history or who can’t showcase a credit score can still apply for an American Express credit card, provided they fulfil the basic eligibility criteria including the minimum income requirement, age limit and residential status.
American Express credit card users can call the customer care support at 1800-419-2122. Amex credit card holders can dial 1800 208 1226 (Toll Free), 0124-670 2101 with regards to any query or dispute related to American Express SmartEarn credit card.