ELIGIBILITY CRITERIA
• Must be a Resident Indian as defined under Income Tax Act.
• Residents of select cities only.
• Employed individuals with minimum income requirements (salaried/self-employed).
• Must hold savings/current account in India.
• Must be over 18 years of age.
• Good credit history and no defaults.
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WELCOME BENEFITS
• ₹500 cashback as a welcome gift on eligible spends of ₹10,000 within the first 90 days of cardmembership.
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CARD REVIEW
The American Express SmartEarn Credit Card is a solid choice for frequent online shoppers and transactors who spend regularly on partnered merchants like Amazon, Flipkart, Uber, Zomato, and other lifestyle categories. It provides a straightforward rewards structure with accelerated points and milestone incentives, making it suitable for everyday spenders. The modest annual fee is easily offset by the welcome bonus and potential fee waiver, adding to its affordability. However, limitations include rewards cap per month and unspecified details on some fees and charges. Acceptance of Amex in some merchants may also vary, which is worth considering depending on your spending patterns.
