Hello,

Guest!

Updated:

American Express® Gold Card: Major Highlights

  1. American Express® Gold card is a charge card which has a first year joining fee of Rs 1,000 + GST and a renewal fee of Rs 4,500 + GST that is charged from the second year of card membership onwards. 
  2. American Express® Gold card offers 4,000 Bonus Membership Rewards® Points as a welcome gift to all the card holders in the first year of card membership. 
  3. With no pre-set spending limit, American Express® Gold Charge card allows more flexibility as an Amex gold card user can use the charge card for big-ticket transactions that can’t be done through a conventional credit card. 
  4. The feature of no pre-set spending limit doesn’t mean that the limit of an Amex gold card is unlimited. The charge card’s spending limit remains dynamic in nature and is deduced on the basis of spend patterns, account history, existing financials and the credit record. 
  5. Amex gold card customers are qualified to earn 1,000 Bonus Membership Rewards® Points on successfully completing six transactions of Rs 1,000 and above in successive months. 
  6. American Express® Gold card holders stand to benefit from an extra 5,000 Membership Rewards Points in the first year of renewing the charge card. 
  7. The extra rewards points are subject to the payment of annual membership fee of Rs 4,500 and will be credited within 90 days from the date of card renewal.

American Express Gold Credit Card

American Express® Gold Card: Rewards & Benefits

  1. American Express® Gold card allows users to earn 1 membership rewards point for every Rs 50 spent through the charge card, including the spends on utility bills and fuels. 
  2. However, there are no membership rewards points for spends on insurance premiums and cash transactions through American Express® Gold charge card. 
  3. The membership rewards points earned through Amex gold card can be redeemed for many lucrative offers exclusively designed for American Express card members. 
  4. An Amex gold card customer is eligible to earn 5X membership reward points on every purchase through the reward multiplier programme of American Express. 
  5. American Express has planned the membership rewards programme that allows Amex gold card customers to redeem reward points from the 18 and 24 Karat Gold collection. 
  6. Amex gold card members can choose to redeem any of the following benefits from the Gold Collection of American Express after securing the reward point target of 18,000 and 24,000, respectively. 
American Express® Gold Charge Card Gold Collections Benefits
24 Karat (24,000 Points)18 Karat (18,000 Points)
Rs 14,000 Taj VoucherRs 9,000 Taj Voucher
Rs 10,000 Tanishq VoucherRs 7,000 Amazon Voucher
Rs 9,000 Flipkart VoucherRs 7,000 Flipkart Voucher
Rs 9,000 Amazon VoucherRs 8,000 Shoppers Stop Voucher
Rs 11,000 Shoppers Stop VoucherRs 8,000 Myntra Voucher
Rs 11,000 Vistara Voucher 
  1. With a reward earn rate of 1 per Rs 50 spent on American Express Gold charge card, a user can accumulate 24,000 membership rewards points on spending Rs 12 lakh and 18,000 membership rewards points on crossing a spend threshold of Rs 9 lakh. 
  2. Over and above the lucrative rewards point programme of American Express, the Amex gold charge card offers multiple exclusive benefits and especially-designed privileges to the members. 
  3. People anticipating an exceptionally large purchase through an Amex Gold charge card are advised to inform American Express in advance for a smoother experience. 
  4. With the premium hotel collection of Amex, an American Express gold card member can avail a room upgrade, subject to availability. 
  5. Beyond this, an Amex gold card customer can earn a $100 hotel credit on staying for two consecutive nights at more than 400 participating hotels across the world such as Hyatt Hotels, Hilton Hotels and hotels under the umbrella of Intercontinental Group. 
  6. An individual can get up to 25% discount through an Amex gold card on dining in at selected restaurants that are in active partnership with American Express. 
  7. An Amex Gold card membership can enjoy a complimentary Zomato Gold membership with the charge card. 
  8. American Express Gold card comes with a 24X7 card-related assistance, emergency card replacement, zero-cost card liability in case of theft and dispute resolution as a part of Gold privileges. 
  9. As a part of Amex Gold charge card, American Express has waived off convenience fee on refuelling at Hindustan Petroleum Corporation Ltd (HPCL) for transactions less than Rs 5,000. 
  10. A 1% convenience fee is applicable on fuel transactions at HPCL of amount more than or equal to Rs 5,000 and all refuelling stations operated by IOCL and BPCL, while a fee of 2.5% of the transaction value is levied on all fuel transactions at all other refuelling stations.

Note: Enjoy movie vouchers worth Rs.6,000 per year* with American Express Platinum Reserve Credit Card.

amex smart earn credit card

 

American Express® Gold Card: Fees and Charges

  1. Supplementary Cards:  The primary cardholder of Amex Gold charge card can avail up to two supplementary cards without incurring additional costs. American Express levies a fee of Rs 1,500 per supplementary card beyond the quota of two. 
  2. Late Payment Fee: American Express charges a fee of 5% on the outstanding balance, a minimum of Rs 300 on deferred bill payment of Amex Gold card. 
  3. Cash Advance Fee: Amex levies a transaction fee of 3.5%, a minimum of Rs 250 on all cash withdrawals through American Express® Gold card. A fee of $129 is charged on international cash withdrawals through Amex Gold charge card. 
  4. Overlimit Fee: A flat fee of Rs 500 is charged if a card member executes a transaction beyond permissible limit as American Express approves a certain number of transactions that are over and above the sanctioned credit limit. 
  5. Forex Transaction Fee: American Express levies a currency conversion fee of 3.5% for all foreign currency transactions processed through Amex cards. 
  6. American Express charges Rs 100 per statement for retrieving credit card statements that are older than three billing cycles and a fee of Rs 250 per transaction if cheque/ECS/NACH is returned.

American Express® Gold Card: Eligibility Criteria

  1. The age of the applicant should be 18 years or above and should be resident of India. 
  2. The individual should exhibit a prime credit score, preferably over 750 with no history of defaults on repayments. 
  3. The personal annual income of the individual should be more than Rs 6 lakh p.a.
  4. Self-employed individuals are mandated to showcase a trading history for the firm of over 12 months. 
  5. The applicant should have a savings or current bank account with any Indian or foreign bank operating in India. 
  6. Amex cards are only offered to people residing in Tier-1 and Tier-2 cities including Delhi-NCR, Mumbai, Kolkata, Chennai, Bangalore, Hyderabad, Ahmedabad, Jaipur, Pune, Chandigarh, Bhubaneshwar, Indore, Lucknow, Mysuru, Nagpur, Bhopal, Cuttack, Nasik, Coimbatore, Surat, Vijayawada, Vizag, Vadodara, Ludhiana and Ernakulam. 
  7. Having a resident in these cities doesn’t necessarily mean that you can get an Amex credit or charge card. The final eligibility is defined by taking other factors into consideration.
TiruvallurGunturSuratRaigadFaridabad
Gautam Buddha NagarHyderabadVadodaraThaneVijayawada
HooghlyKrishnaAmbalaBhubaneswarErnakulam
HowrahMedakJhajjarKhurdhaSecunderabad
KolkataRangareddyPanchkulaMohaliAluva
24 ParganasVisakhapatnamBengaluruChennaiRopar
BardoliVizianagaramKochiCoimbatoreHosur
DelhiChandigarhBhopalErodeSriperumbudur
NoidaJaipurIndoreKanchipuramTiruppur
GhaziabadAhmedabadMumbaiKrishnagiriBaramati
GurgaonGandhinagarPuneSalemNavi Mumbai

American Express® Gold Card: Documents Required

American Express demands certain documents that can be submitted for KYC purposes of Amex credit cards and Amex charge cards. This includes… 

  1. A passport size photograph. 
  2. A user is mandatorily required to submit a copy of PAN. Those who don’t possess a PAN can provide a copy of Form 60. 
  3. A copy of any one officially valid document is also required to meet the address proof and identity proof criteria from passport, Voter ID card, Job card issued by NREGA, Aadhaar card, a letter from the national population register (NPR) and a copy of driving license. 
  4. Foreign nationals looking to obtain an Amex credit/charge card in India are required to furnish the documents issued by the respective Foreign Embassy of Mission in India and the documents provided by the departments of foreign government’s jurisdiction.

American Express® Gold Card: Application Process

You can apply for an Amex Gold Charge card directly through the American Express website and via MyMoneyMantra. 

American Express Credit Card Application Through Amex Online

Step 1: Go to American Express website, select the desired credit card that suits best according to your income levels, nature of expenses and the benefits offered.

Step 2: Provide your personal details including name, date of birth, email address, mobile number and complete residential address. 

Step 3: Quote your PAN, alongside the employment status. 

Step 4: Read the Terms & Conditions and tick the check box for agreeing the same.

Step 5: Click on ‘Agree & Continue’. 

American Express Credit Card Application Through MyMoneyMantra

Step 1: Go to MyMoneyMantra’s American Express credit card page,

Step 2: Click on ‘Apply Now’. You’ll be redirected to the American Express Gold card page. 

Step 3: Now you can fill in your personal credentials including your name, date of birth, phone number, email address and residential address. 

Step 3: After this, you will be required to share the PAN and employment status. 

Step 4: Tick the check box after reading the Terms & Conditions 

Step 5: Click on ‘Agree & Continue’. 

For American Express cards, an individual can select between an Amex credit card and Amex charge card. Also, you can check the latest credit score beforehand to make sure that your credit profile is in good shape.

Other Similar Credit Cards From Different Banks

With limited availability of charge cards in India, there are no absolute rivals. However, users exploring credit cards with premium lifestyle benefits can check for other similar cards that offer a bouquet of benefits, rewards, discounts and fee waivers. 

Credit CardAnnual/Joining FeeMain Benefits
SBI Elite Credit CardRs 4,999 + GST
  • As a welcome gift, card member gets a voucher worth Rs 5,000. 
  • You can earn 50,000 bonus reward points worth Rs 12,500, 
  • SBI offers complimentary Priority Pass program membership worth $99 alongside 6 complimentary international airport lounge visits 2 per quarter.
HDFC Bank Regalia Gold Credit CardRs 2,500 + GST
  • Regalia Gold customers get a complimentary Club Vistara Silver Tier and MMT Black Elite membership, provided the card holder spends a minimum of Rs 1 lakh in the first 90 days of card issuance. 
  • Complimentary airport lounge access is provided with a maximum limit of 12 visits within India, for both domestic and international terminals. 
  • HDFC Bank Regalia Gold Credit Card also has the facility of exclusive 24/7 concierge services.
Axis Bank Select Credit CardRs 3,000 + GST
  • As a welcome benefit, you get 10,000 EDGE reward points worth Rs 2,000 on first transaction within 30 days of card issuance. 
  • Complimentary lounge access up to 2 visits per quarter. 
  • Complimentary rounds of golf up to 6 visits in a year and 3 additional visits are awarded if you spend Rs 3 lakh in a calendar year. 
  • 24X7 concierge service is also made available to Axis Bank Select credit card customers. BOGO offer is available on BookMyShow, 
Yes First Exclusive Credit CardRs 1,999 + GST
  • Customers can avail a free Amazon voucher worth Rs 500 on spending Rs 1,000 within first 30 days of credit card issuance. 
  • Up to 3 complimentary lounge visits for domestic airports per quarter in India and up to 6 complimentary international aiport lounge.
  • Users earn 24 reward points on every Rs 200 spend on travel and dining for transactions up to Rs 5,000 per statement,
Standard Chartered Ultimate Credit CardRs 5,000 + GST
  • Card members can earn 6,000 reward points equivalent to Rs 6,000 on paying the joining fee for credit card. 
  • 5 reward points are credited per Rs 150 spent through Ultimate credit card. 
  • A customer can get 5% cashback on duty free spends at international airports.
  • Standard Chartered also provides complimentary access to premier golf courses in India and access to over 1,000 airport lounges across the world.

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score

chart_15f235bf64.svg

The best offers from India’s most
trusted banks

Axis-Bank.webp
HDFC-Bank.png
SBI-Card.webp
IDFC.png

Compare Best Credit Cards

To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.

American Express® Gold Card FAQs

✅ What are the main differences between American Express® Gold Card and other credit cards?

image

The primary difference is the type of card. American Express® Gold Card is a charge card, just like American Express® Platinum Card but with lower perks to the latter. American Express Platinum Travel, American Express Membership Rewards, American Express Platinum Reserve, American Express SmartEarn and American Express PAYBACK are all credit cards.

✅ What is no pre-set spending limit offered on an American Express® Gold Card?

image

No pre-set spending limit on American Express® Gold Card allows you more flexibility over the standard credit limit. The credit limit of an Amex Gold charge card depends on spend patterns, earnings, existing liabilities, etc.

✅ Does American Express® Gold Card allows cash withdrawals?

image

Yes. You can withdraw cash through American Express® Gold Cards at a fee of 3.5% of the transaction amount subject to a minimum of Rs 250 for all domestic withdrawals. All international withdrawals through American Express® Gold Card attract a fee of $129 of the withdrawal amount.

✅ What is the penalty if I miss American Express® Gold Card bill payment due date?

image

The late payment penalty on missing American Express® Gold Card bill payment due date is 5% of the outstanding amount. A minimum of Rs 300 is charged.

✅ Who is eligible for an American Express® Gold Card?

image

All Indian residents belonging to a select list of Tier-1 and Tier-2 cities with personal annual income of more than Rs 6 lakh, over the age of 18 years are eligible for American Express® Gold Card. The final eligibility is determined by American Express after careful scrutiny of other factors including credit score, ongoing liabilities, earnings, etc.

✅ Does the American Express® Gold Card provides travel benefits?

image

Yes. American Express® Gold Card provides lucrative hotel vouchers for travel lovers, discounts on flight and hotel bookings through partner portals and many other discounts on booking hotels that have partnered with American Express.

✅ Who should apply for an American Express® Gold Card?

image

All the eligible individuals who are frequent travellers and like to dine-in on multiple occasions should apply for American Express® Gold Card as it provides a bundle of benefits that can maximise the experience and open the door to a wide range of vouchers and discounts.