American Express
Gold · Gold
American Express Gold Card
American Express
Earn accelerated rewards on dining and travel
Annual Fee
₹4,500
Joining Fee
₹1,000
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹24,690
Total Annual Benefits
₹30,000
Total Annual Charges
₹5,310
ROI
565%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Dining Benefits (1)
4X MR on Dining
Earn 4X Membership Rewards points on all dining spends including restaurants, cafes, and food delivery
- • Applicable at all dining establishments and food delivery platforms
4X MR points
Travel Benefits (1)
2X MR on Travel
Earn 2X Membership Rewards points on all travel spends including flights, hotels, and travel bookings
- • Flights, hotels, and travel agency bookings
2X MR points
Reward Points (1)
1X MR on All Other Spends
Earn 1 MR point per ₹50 on all other purchases
1X MR points
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
- • Swipe card at participating airport lounges
8 visits/year
₹20,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
American Express Membership Rewards
4X on dining, 2X on travel, 1X on others
Effective cashback: 1.00%
Points expire: Points do not expire as long as card is active
Redemption Options
- → Transfer to airline partners (1 MR = up to 1 air mile)
- → Transfer to hotel partners
- → Statement credit (1 MR = ₹0.25)
- → Gift cards and merchandise
- → Catalogue redemption
Bonus Categories
Dining
4x multiplier
4X MR on dining spends
Travel
2x multiplier
2X MR on travel spends
Others
1x multiplier
1X MR on all other purchases
Milestone Bonuses
5,000 bonus MR points on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
5,000 MR Points
Additional 5,000 bonus MR points on spending ₹4 Lakh annually
Spend ₹4,00,000 annually
5,000 MR Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,000 Excluding GST |
| Annual Fee | ₹4,500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 3.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹60,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Subject to credit assessment
Insurance Coverage
Accidental Death
₹2.5 Cr
Permanent Disability
₹2.5 Cr
Travel Insurance
₹20.0 L
Lost Card Liability
₹10.0 L
Report within 48h
Air Accident Cover
₹2.5 Cr
Purchase Protection
₹2.0 L
90 days
- • Air accident cover: ₹2.5 Crore
- • Travel insurance: ₹20 Lakh
- • Purchase protection: ₹2 Lakh for 90 days
Airport Lounge Access
Domestic
8 visits/year
8 per year
~₹2,500/visit
International
0 visits/year
Not included
Amex Lounge Collection
- • 8 complimentary domestic lounge visits per year
- • Swipe card at participating lounges
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Amex Offers — exclusive merchant discounts No pre-set spending limit
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The American Express Gold Card is a premium rewards card offering 4X Membership Rewards points on dining, 2X on travel, and 1X on all other spends. Wi...
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