American Express® Gold Credit Card

The American Express® Gold Credit Card allows you to earn reward points on your purchases across various categories. In addition to earning reward points, you can enjoy several privileges, including travel benefits, extra cashback, an unlimited credit limit, and more. Here are some of the key features and benefits of this credit card:

• Welcome Benefit: You can earn a bonus of 4,000 Membership Rewards Points by spending Rs. 10,000 within the first 90 days of card membership, and after the payment of the first year’s annual fee.
• Milestone Benefit: 1,000 bonus points by making 6 transactions of Rs. 1,000 each every calendar month.
• Dining Discount: Up to 20% off on dining at partnered restaurants.
• Cashback Benefit: You can enjoy a cashback of Rs. 500 per month on your visits to Lakme Salons, available at 35+ locations.
• Fuel Convenience Fee Waiver: You can avail fuel convenience fee waiver with the following details:
• 0% convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps
• 1% convenience fee on fuel purchases of Rs. 5,000 and above at HPCL Petrol Pumps

Also read: Best Credit Cards Airport Lounge Access

No Pre-set Limit: This Charge Card doesn't have a fixed spending limit, which means you have an unlimited spending limit. Your transactions get approved based on your finances, credit record, spending pattern and account history.

With the American Express® Gold Card, you can enjoy travel benefits through The Hotel Collection:

A room upgrade (where available) and a US $100 hotel credit when you stay two consecutive nights. This is applicable at over 400 hotels worldwide, including Hilton Hotels, Hyatt Hotels and Intercontinental.

*This is a limited period offer.

Also read: Best Travel Credit Cards in India

The card allows you to earn up to 5X reward points on your selected purchases. Here are the details:

• 5X Membership Rewards Points on every purchase through the Reward Multiplier.
• 1 Membership Rewards Point for every Rs. 50 spent, excluding insurance and cash transactions.
• 1 Membership Rewards Point for every Rs. 50 spent on fuel and utility transactions.

Also read: Best Rewards Credit Cards in India

You can redeem the accumulated reward points for various options from the rewards catalogue. Additionally, you can also use the reward points to redeem vouchers from top brands within the 18 Karat and 24 Karat Gold Collection as per the below details:

Note: 1 Membership Rewards Point on every Rs. 50 on spent on utility (electricity, water and gas bills) payments is capped at 10,000 Membership Rewards Points in a calendar month.

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

To apply for the American Express® Gold Credit Card, applicants must meet the following eligibility criteria :

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

The American Express® Gold Card provides attractive rewards on your transactions, Apart from rewards, this credit card also offers exclusive benefits for stays at premier hotels.

If you are looking for other options that provide attractive rewards, you can refer to the table below for additional options:

This credit card offers limited travel benefits, such as room upgrades and additional hotel credits at select top hotels like Hilton, Intercontinental, and Hyatt. If you're seeking a card with more extensive travel perks, such as complimentary stays, lounge access, low foreign exchange markup fees, and other features, this may not be the ideal choice for your travel needs.

To apply for this credit card, you can visit the official website of American Express and complete the application process online. Simply find the eligible credit card, fill out the application form, and attach the necessary documents before submitting.

With the American Express® Gold Card, you accumulate Membership Rewards Points with every purchase. To redeem these points, simply log in to the American Express redemption portal using your credentials. From the catalog available, select your desired option to redeem the earned reward points.

Yes, it is possible to withdraw cash using the American Express® Gold Card, please be aware that a cash advance fee of 3.5% of the withdrawn amount will be applied. Additionally, finance charges will be levied on the cash withdrawal until the total amount is repaid. It is generally advised to avoid cash withdrawals with credit cards due to the associated high fees.

The American Express® Gold Card is a charge card, similar to a credit card, allowing you to make purchases. However, unlike credit cards where you can carry a balance by paying a minimum amount, with a charge card, you must pay the full credit card bill each month to continue using the card.

The American Express® Gold Card features no pre-set credit limit, offering you an essentially unlimited spending capacity. However, it's important to note that the approval or rejection of your transactions depends on factors such as your spending history, credit record, financial status, and account history. The card provider will assess these factors to determine the approval of your transactions.