cards / american express / amex-smartearn-credit-card
AMEX
3742 •••• •••• ••••
YOUR NAME HERE
AMERICAN EXPRESS
↑ Your name appears embossed when you sign in.
§ 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
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.
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