Eligibility criteria for the SmartEarn credit card
To be eligible for this card, you must meet the following conditions:
✔️ Be a salaried individual with a minimum annual income of ₹4.5 lakhs, or a self-employed professional with a minimum annual income of ₹6 lakhs
✔️ Be a permanent resident of India
✔️ Have a strong credit history with no payment defaults
✔️ Hold a bank account with one of American Express’s partner issuer banks
✔️ Be at least 18 years of age
✔️ If self-employed, your business must have been operational for over 12 months
Key features of the American Express SmartEarn credit card
This feature-rich credit card offers a wide range of benefits. You can earn accelerated Membership Rewards® Points:
↪ 10X points on spending with Flipkart, Amazon, and Uber
↪ 5X points on purchases through Paytm Wallet, Swiggy, BookMyShow, and other select merchants
🎁 Welcome bonus: Get ₹500 cashback when you spend ₹10,000 or more within the first 90 days of card membership.
🎟️ Milestone benefits: Earn ₹500 worth of vouchers upon reaching annual spending milestones of ₹1.20 lakhs, ₹1.80 lakhs, and ₹2.40 lakhs.
💳 Renewal fee waiver: Enjoy a waiver on the annual renewal fee if you spend ₹40,000 or more in the previous membership year.
How to apply for the American Express SmartEarn credit card?
Follow these simple steps to apply for your SmartEarn credit card:
✔️ Visit the official American Express India website and navigate to the “Credit Cards” section.
✔️ Find the American Express SmartEarn page and carefully read all relevant information before proceeding.
✔️ Click on “Apply Now,” fill in your details, upload the necessary documents, and wait for your application to be evaluated by the issuing bank.
✔️ Remember: The card is issued in partnership with select Indian banks, so you must hold a bank account with one of these institutions.