American Express® Gold Credit Card

The American Express® Gold Card offers great value through reward points on your purchases. You earn points with every transaction and enjoy additional benefits like cashback, exclusive hotel perks, dining discounts, and more. One of the major highlights of this credit card is that it comes with no pre-set limit, which allows you the freedom to have an unlimited spending limit. Learn more about this credit card below.

Key Highlights of American Express® Gold Card

American Express® Gold Credit Card
Best Suited For Rewards & Travel
Joining Fee Rs. 1,000 + Applicable Taxes
Annual/ Renewal Fee Rs. 4,500 + Applicable Taxes
Minimum Income Requirement Rs. 6 Lakh p.a.
Welcome Benefit 4,000 bonus Membership Rewards Points on spending Rs. 10,000 within 90 days of card membership
Reward Benefit 5X Membership Rewards Points on every purchase through Reward Multiplier
Travel Benefit Complimentary room upgrade and hotel credit on stays at top hotels, including Hilton Hotels, Intercontinental and Hyatt Hotels
Milestone Benefit 1,000 bonus points on 6 transactions of Rs. 1,000 each every calendar month

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.

Travel Benefits

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

Up to 5X Reward Points

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:

18 Karat Gold Collection/ 18,000 MR Points 24 Karat Gold Collection/ 24,000 MR Points
Amazon voucher worth Rs. 7,000 Amazon voucher worth Rs. 9,000
Flipkart voucher worth Rs. 7,000 Flipkart voucher worth Rs. 9,000
Myntra voucher worth Rs. 8,000 Vistara voucher worth Rs. 11,000
Big Basket voucher worth Rs. 8,000 Tanishq voucher worth Rs. 10,000
Shoppers Stop voucher worth Rs. 8,000 Shoppers Stop voucher worth Rs. 11,000
Croma voucher worth Rs. 7,000 Croma voucher worth Rs. 9,000
Taj voucher worth Rs. 9,000 Taj voucher worth Rs. 14,000

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:

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)

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

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.

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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.

Choose the American Express® Gold Card if:
  • You want decent rewards and minimal travel benefits.
  • You want to earn reward points on fuel expenses.
  • You are ready to pay a higher annual fee of Rs. 5,000.
  • You use your credit card for most expenses.
  • You frequently travel and want benefits for your hotel stays.
  • You prefer rewards over cashback.
Explore other options if:
  • Your primary need is a fuel credit card due to high fuel requirements.
  • You are looking for a card that offers complimentary lounge access
  • You are looking for a credit card with a lower annual fee.
  • You prefer direct cashback instead of earning reward points.

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

Credit Card Annual Fee Key Features
HDFC Regalia Credit Card Rs. 2,500 4 reward points on every Rs. 150 spent; Complimentary domestic and international airport lounge access
HDFC MoneyBack+ Credit Card Rs. 500 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore, BigBasket
Citibank Rewards Credit Card Rs. 1,000 10X reward points on every Rs. 125 spent at apparel & departmental store
Standard Chartered Platinum Rewards Credit Card Rs. 250 5X reward points on every Rs. 150 spent on fine dining and fuel
SBI Elite Credit Card Rs. 4,999 5X reward points on dining, departmental stores and grocery spends; 2 reward points per Rs. 100 on all other spends

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You have the option to compare and apply for American Credit Cards conveniently online through MybankingTips. Here are the steps to do so:

  • Visit MybankingTips American Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

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1. Is American Express® Gold Card suitable for travel benefits?

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.

2. How can I apply for American Express® Gold Card?

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.

3. How can I redeem the reward points earned via American Express® Gold Card?

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.

4. Can I withdraw cash using my American Express® Gold Card?

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.

5. How is American Express® Gold Card different from other credit cards?

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.

6. What is the credit limit offered on American Express® Gold 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.

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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: