Received Amex Smart Earn without Income Proof

[pal27j]

Hello every one, this is my first post in TechnoFino forum. Amex was in my wish list from ages but did not applied. Recently, I applied for Amex Smart Earn on their official website. Same day completed the VKYC. Interestingly, next day i received an email stating your card is approved. They did not asked for any income proof or no physical verification happened. I was shocked but happy also.

 

[CardGame]

update - so my friend who opt for mrcc using my referral link a year back, applied for plantium and amex asked for document uploaded he mentioned he went over to amex and check which file type is supported and JPEG was one of them so he took ss of his ITR and he sent and received call from amex saying it need to be in PDF format so out of blue his application was approved and card is already dispatched and to be delivered or already delivered in hour or thing is you can try your luck. few thing to notified he did cancel his MRCC within 1 year.

He still submitted the jpg format of his ITR but an interesting case indeed when they insisted on pdf before approval.

 

[SMS91]

I am self-employed as a tuition teacher with a monthly income of 40k and no income proof (because I receive money directly from students). Is there any possibility of getting an Amex SmartEarn card without income proof? My CIBIL score is 798, with 2 enquiries in the last 6 months. I currently have credit cards from HDFC, ICICI, and SBI with a maximum limit of 80k.

 

[varun__goel_]

I am self-employed as a tuition teacher with a monthly income of 40k and no income proof (because I receive money directly from students). Is there any possibility of getting an Amex SmartEarn card without income proof? My CIBIL score is 798, with 2 enquiries in the last 6 months. I currently have credit cards from HDFC, ICICI, and SBI with a maximum limit of 80k.

File ITR first

Then apply for card as self employed...

 

[ashsahu]

I am self-employed as a tuition teacher with a monthly income of 40k and no income proof (because I receive money directly from students). Is there any possibility of getting an Amex SmartEarn card without income proof? My CIBIL score is 798, with 2 enquiries in the last 6 months. I currently have credit cards from HDFC, ICICI, and SBI with a maximum limit of 80k.

There's no harm in trying, i got vkyc scheduled without any documents with 686 cibil score. Will update after vkyc is over

 

[armat]

There's no harm in trying, i got vkyc scheduled without any documents with 686 cibil score. Will update after vkyc is over

Didn't you get document upload email after submitted application?

 

[ashsahu]

Didn't you get document upload email after submitted application?

No, they didn't asked for any documents as the webpage showed conditional approval w/o any documents & got my vkyc done today, let's see if the card is issued or not

 

[ashsahu]

Got the approval mail

 

[Swastik]

Hello every one, this is my first post in TechnoFino forum. Amex was in my wish list from ages but did not applied. Recently, I applied for Amex Smart Earn on their official website. Same day completed the VKYC. Interestingly, next day i received an email stating your card is approved. They did not asked for any income proof or no physical verification happened. I was shocked but happy also.

View attachment 17801

Hey, congratulations

Couple of questions
1. Did you have any amex add ons before ?
2. Did you have any other cards before ?
3. How's your cibil ?

 

[CardSeeker]

Got the approval mail

Applied As Self Employed?

 

[ashsahu]

Hey, congratulations

Couple of questions
1. Did you have any amex add ons before ?
2. Did you have any other cards before ?
3. How's your cibil ?

This is my first Pure amex card as i hold indusind iconia amex
I have other bank cards
Cibil is 686 and is constant since last 5 years, if apply 500 times or 1 time in a year score won't move a inch so i make it a point to apply max times

 

[ashsahu]

Applied As Self Employed?

Salaried but it didn't asked any docs

 

[theflash]

This is my first Pure amex card as i hold indusind iconia amex
I have other bank cards
Cibil is 686 and is constant since last 5 years, if apply 500 times or 1 time in a year score won't move a inch so i make it a point to apply max times

686 😵 how usually required score is 750 right?

 

[Swastik]

This is my first Pure amex card as i hold indusind iconia amex
I have other bank cards
Cibil is 686 and is constant since last 5 years, if apply 500 times or 1 time in a year score won't move a inch so i make it a point to apply max times

Thanks,
I've been trying to get my gf her first card, salaried but no cibil, has my Plat Travel Add on,
already rejected for MRCC,

Will try of smartearn after 6 months

 

[varun__goel_]

Thanks,
I've been trying to get my gf her first card, salaried but no cibil, has my Plat Travel Add on,
already rejected for MRCC,

Will try of smartearn after 6 months

Amex will not issue card with 0 cibil

Better get her a acc in hdfc and axis for pre approved offers

 

[ashsahu]

686 😵 how usually required score is 750 right?

That's what they say but in reality Amex hasn't documented any cutoff Cibil score

 

[Swastik]

Amex will not issue card with 0 cibil

Better get her a acc in hdfc and axis for pre approved offers

HDFC done, nothing pre approved

Yes Ace pre approved on yes account, but eventually rejected

 

[varun__goel_]

HDFC done, nothing pre approved

Yes Ace pre approved on yes account, but eventually rejected

Wait a while. Mostly, Hdfc will offer card within a year

 

[Rsuman3]

May be he doesn't have one

There are videos on YouTube that says get this card without income proof 😂

Depends on how good your CIBIL score and credit profile is, for some users, they don't ask for docs.

For some users, the docs are absolute essential without with, they will not approve.

For some users, the docs are just a formality.

DM me with more details on which card you

@sudharshan - Nothing special to be mentioned. I Just filled the online form & completed the VKYC. They did not ask for any document.

applied and the details in your application and we can discuss more about it!

Yes I also got this card recently without any income proof ,After video kyc they ask me to upload your voter card.Nothing else and I got the card approved very next day and physical card I received after next day of application approval..very fast and smooth process.

 

[sparkit]

This is my first Pure amex card as i hold indusind iconia amex
I have other bank cards
Cibil is 686 and is constant since last 5 years, if apply 500 times or 1 time in a year score won't move a inch so i make it a point to apply max times

That’s awesome. I need an Amex card badly for wallet spends. My Cibil is 776 and I changed my Aadhar address too to serviceable address. Still rejected two times. May be i hold an OD account and a personal loan. Will try after two months again. Any tricks or tips will be appreciated.