American Express SmartEarn Credit Card

Benefits of the American Express SmartEarn Credit Card

The following are the benefits of the American Express SmartEarn Credit card:

Latest Offers on the American Express SmartEarn Credit Card

The following are some of the offers and privileges offered by American Express SmartEarn credit card:

1. Offers contactless payment system to the users
2. Provides the convenience to pay the credit card bills fully or partially
3. Allows users to convert their spendings into monthly instalments with the American Express EMI
4. Offers 0% and 1.00% fuel convenience fee waiver on transaction of less than Rs.5000 at HPCL and above Rs.5000, respectively
5. Provides 24x7 card related assistance and dispute resolution
6. Ensures zero lost card liability and emergency card replacement facility

How to Redeem Reward Points on the American Express SmartEarn Credit Card

You can redeem your reward points at the American Express website through the catalogue of INSTA Rewards which offers you a wide range of products to choose from. There are also several gift cards you could choose from which can be purchased with your reward points.

American Express SmartEarn Credit Card Fees and Charges

Eligibility Criteria of the American Express SmartEarn Credit Card

You will be asked to submit some of your primary details when you click on the ‘Apply Now’ option on the website. Once done, the bank will determine if you are eligible for the credit card or not.

The primary eligibility criteria for the credit card are:

1. Must be a resident of India as mentioned under Income Tax Act
2. Must be a resident of the following cities:
   1. Delhi/NCR
   2. Mumbai
   3. Chennai
   4. Hyderabad
   5. Bangalore
   6. Pune
   7. Nagpur
   8. Nasik
   9. Trivandrum
   10. Indore
   11. Jaipur
   12. Ahmedabad
   13. Chandigarh
   14. Coimbatore
   15. Mysuru
   16. Surat
3. Must be salaried or self-employed individual with annual income of Rs.4.5 lakh or Rs.6 lakh and above
4. Must have a current or savings account in an Indian or Multinational bank in the country
5. Must be above 18 years of age
6. Must have permanent residential address in India
7. Must have a good credit score with no default in payment history
8. Company must be trading over 12 months for self-employed individuals

Note: Must inform American Express Banking Corp, if any change in the residential status.

Documents Required for the American Express SmartEarn Credit Card

American Express will require you to submit several documents during the application process of the credit card. However, some of the major documents required for application are:

Address Proof

1. Passport
2. Driving Licence
3. Rental Agreement
4. Electricity Bill

Proof of Income

1. Salary Slips
2. PAN Card
3. Income Tax Returns
4. Form 16

Proof of Identity

1. Driver’s License
2. Passport
3. Aadhaar Card

The list of documents mentioned above is indicative. The bank may ask you to submit other documents during the application procedure when required.

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