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American Express Gold Credit Card

4 from 4000 Users

All Card USPs

1,000 Bonus Points Every Month

on completing 6 transactions of ₹1,000 each in a calendar month as part of the Membership Rewards® program

Redeem Points for Gold & Vouchers

across the 18 and 24 Karat Gold Collection and premium brand vouchers like Taj, Amazon, Tanishq, Flipkart, Myntra, and more

No Pre-Set Spending Limit

giving you greater flexibility to spend based on your financial profile instead of a fixed credit limit.

Best For

Shopping

Dining

Travel

Utility Bills

Joining/Annual Fees

Joining Fees

₹1,180 ( ₹1000 + GST )

Joining fee is offset through bonus Membership Rewards points on meeting initial spend milestones.

Annual Fees

₹5,310 ( ₹4500 + GST )

N/A

Eligibility

Age Criteria

21-60 years

Salary Criteria

6 LPA

Credit Rating*

700+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.50

Redemption Options

You can redeem your points here:

To check redemption catalogue

N/A

All Card Benefits

Air Travel Insurance Benefits

  • Receive a welcome gift upon payment of the annual fee and spending ₹10,000 within the first 90 days of Card membership.
  • Benefit from air accident insurance coverage up to ₹30,00,000 when tickets are purchased with the card.
  • Avail up to 20% off at select restaurants and additional discounts on food delivery services.
  • Enjoy discounts at participating spa and salon partners.
  • Option to add supplementary cards for family members, with applicable fees.

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Insurance Payments

EMI Spends

ATM Cash Withdrawals

Jewellery Purchases

Government-related Transactions

Wallet Loads

Bank Charges & Fees

All Reversals

Gambling Transactions

Toll Payments

Security Broker Services

Charity

For Spends Waiver

Fuel Spends

Insurance Payments

EMI Spends

ATM Cash Withdrawals

Jewellery Purchases

Government-related Transactions

Wallet Loads

Bank Charges & Fees

All Reversals

Gambling Transactions

Toll Payments

Security Broker Services

Charity

Bank Fee Structure

StructureDetails
Forex Markups

3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using  a POS. Below mentioned table gives forex markup for most common spends
Rs 100 - Rs 3.5
Rs 1000 - Rs 35
Rs 10,000 - Rs 350
Rs 1,00,000 - Rs 3500

3.5%
APR Fees
N/A
ATM Withdrawl

Subject to a minimum of ₹250

3.5%
Reward Redemption Fees

Per redemption request

₹99
Link for all T&Cs
Click Here
Railway Surcharge
Rent Payment Fees
Cheque Payment Fees
Cash Payment Fees
Late Payment Fees Amount Due
₹1 - ₹10000₹400
₹10001 - ₹25000 ₹750
₹25000 and above ₹1000

Apply for this card

TOP USPs

1,000 Bonus Points Every Month

on completing 6 transactions of ₹1,000 each in a calendar month as part of the Membership Rewards® program

Redeem Points for Gold & Vouchers

across the 18 and 24 Karat Gold Collection and premium brand vouchers like Taj, Amazon, Tanishq, Flipkart, Myntra, and more

Apply Now