cards / credit / american express / amex-smartearn-credit-card
AMEX
3742 •••• •••• ••••
YOUR NAME HERE
AMERICAN EXPRESS
↑ Your name appears embossed when you sign in.
§ BENEFITS
shopping
10X MR on Amazon & Flipkart
Earn 10X Membership Rewards points on every purchase made on Amazon and Flipkart
10X MR points
shopping
5X MR on Other Online Spends
Earn 5X Membership Rewards points on all other online purchases
5X MR points
rewards
1X MR on Offline Spends
Earn 1 MR point per ₹50 on all offline POS transactions
1X MR points
fuel
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹4,50,000
- Min monthly salary
- ₹25,000
- Age
- 21 – 60
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹495
- Annual fee
- ₹495
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† All inclusive
† All inclusive
† per cycle, charged to statement
† or ₹100, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 3.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹25,000
- POS + e-com / day
- ₹2,00,000
- Contactless / txn
- ₹2,000
- Contactless / day
- ₹20,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- American Express Membership Rewards
- Earn rate
- 10X on Amazon/Flipkart, 5X on other online, 1X on offline
- Point value
- ₹0.25
- Effective cashback
- 0.50%
- Min redemption
- 100 pts
- Expiry
- Points do not expire as long as card is active
§ LOUNGE
- Domestic
- Not included
- International
- Not included
- Domestic guests allowed?
- No
- International guests allowed?
- No
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with American Express and earns no commission on applications.