American Express® Gold Credit Credit
American Express bank American Express Bank

American Express® Gold Credit Credit

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹4,500* Plus Applicable Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹4,500* Plus Applicable Taxes

Milestone Benefit:- 1,000 bonus points on 6 transactions of Rs. 1,000 each every calendar month

credit score

American Express Gold Credit Card gives you value with every purchase. It is designed to offer you unbeatable rewards and benefits. Cardholders enjoy flexible spending on travel, dining, and shopping Without any spending limit. With the joining fee of ₹1,000 and annual fee of ₹4,500 you get 5x Membership Rewards® points on select purchases, exclusive discounts at top restaurants, and special offers from brands like Taj, Tanishq, Flipkart, and Amazon. Along with these benefits, you will also get 24/7 concierge services. Start enjoying a premium lifestyle today with the American Express Gold Card!

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All You Need To Know

Card Type

Rewards & Travel

Welcome Bonus
  • Earn 4,000 Membership Rewards® Points on spending ₹10,000 within the first 90 days of card membership.
Milestone Benefits
  • Receive 1,000 Membership Rewards® Points monthly on completing 6 transactions of ₹1,000 or more each in a month.
  • Renewal bonus: Earn 5,000 Membership Rewards® Points upon payment of the first year's renewal fee.
Travel Benefits
  • Enjoy a room upgrade (subject to availability) and USD 100 hotel credit when staying for 2 consecutive nights at over 400 premium hotels worldwide, including Hilton Hotels, Intercontinental, and Hyatt Hotels.
Dining Discounts
  • Up to 20% off at partner restaurants.
Reward Points
  • Earn 1 Membership Rewards® Point per ₹50 spent on eligible transactions.
  • Earn 5X Membership Rewards® Points for purchases made through Reward Multiplier.
  • No points are awarded on fuel, utility, and insurance transactions.
Fuel Benefits
  • 0% convenience fee at HPCL fuel stations for spends under ₹5,000.
  • Earn 1 Membership Rewards® Point for every ₹50 spent on fuel.
Gold Rewards Collection
  • Redeem points for exciting rewards from the Gold Collection, including vouchers for Taj Hotels, Amazon, Shoppers Stop, Flipkart, and more.
Gold Collection Redemption Options
  • 24,000 Membership Rewards Points / 24 Karat Gold Collection:
    • Taj voucher: ₹14,000
    • Amazon voucher: ₹8,000
    • Tanishq voucher: ₹9,000
  • 18,000 Membership Rewards Points / 18 Karat Gold Collection:
    • Taj voucher: ₹9,000
    • Amazon voucher: ₹6,000
Additional Privileges
  • 24x7 Concierge Services: Assistance with dining reservations, travel planning, event organization, and more.
  • Zero Lost Card Liability: No liability for fraudulent transactions on reporting card loss promptly.
  • Contactless Payments: Enabled for secure and seamless transactions.
  • Emergency Card Replacement: Rapid replacement service in emergencies.

American Express® Gold Credit Card Eligibility:

Criteria Details
Account Requirement Savings or current account at an Indian or multinational bank
Occupation Salaried or Self-employed
Serviceable Cities Click here to view the list
Minimum Income Requirement Rs. 6 lakh p.a.
Minimum Age Requirement 18 years

Additionally, the applicant should also have a good credit history with no payment defaults.

Here are the applicable fees and charges associated with the American Express® Gold Card:

Type of Fee or Charge Amount
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 4,500 + Applicable Taxes
Cash Advance Fee 3.5% (Minimum of Rs. 250)

Apply for American Express® Gold Credit Card

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FAQs

You can redeem your American Express Gold Card points through the American Express redemption portal for travel, merchandise, or gift cards.

The interest rate on the American Express Gold Card ranges from 15.49% to 25.49% per year, depending on your credit profile.

Yes, the card offers travel benefits such as hotel room upgrades and hotel credits at top properties like Hilton and Hyatt.

You earn points for every purchase made using the card, which can be redeemed for various rewards.

The annual fee for the American Express Gold Card is Rs. 1,000, which may vary based on promotions or offers.

Yes, you can withdraw cash using your American Express Gold Card, but a fee of 3.5% of the withdrawn amount, with a minimum of Rs. 250, is charged.

The American Express Gold Card does not have a pre-set spending limit. The available credit is determined based on your spending habits and credit history.

Yes, the card provides benefits like room upgrades and hotel credits at premium hotels, making it a good option for frequent travelers.

You can apply online through the official American Express website by submitting an application form and required documents.

The cash advance fee is 3.5% of the amount withdrawn, with a minimum charge of Rs. 250, so it is advisable to avoid cash withdrawals unless necessary.

Please click the links below to find details and instructions related to American Express® Credit Cards that can help you in easily managing your card:

Check if you are eligible for the American Express® Gold
Credit Card on mybankingtips.com

Apply Now

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