American Express® Gold Credit Credit
American Express American Express

American Express® Gold Credit Credit

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/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹1000* Plus Applicable Taxes

Renewal Fee: ₹4500*Plus Applicable Taxes

Fuel Fuel
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹1000* + Tax

Renewal Fee: ₹4500* + Tax

Welcome benefits:- 4,000 bonus Membership Rewards Points on spending Rs. 10,000 within 90 days of card membership

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About American Express® Gold Credit Credit

The American Express® Gold Card gives you good value with reward points on every purchase. You also get cashback, dining offers, hotel benefits, and more. One of the best things about this card is that it has no set spending limit, so you can spend more freely.

The American Express Gold Card has no fixed spending limit, giving you more flexibility. It also offers benefits on travel, dining, and shopping. The joining fee is Rs.1,000, and the annual fee is Rs.4,500.

American Express® Gold Credit Credit Rewards Program

Up to 5X Reward Points

With this card, you can enjoy up to 5X reward points on your purchases. Here’s how it works:

  • 5X Membership Rewards Points on every purchase made through Reward Multiplier.
  • 1 Membership Rewards Point for every ₹50 spent (except insurance and cash transactions).
  • 1 Membership Rewards Point for every ₹50 spent on utility payments (maximum 10,000 points per calendar month).

You can use your reward points in many ways from the rewards catalogue. You can also redeem them for vouchers of top brands under the 18 Karat and 24 Karat Gold Collection:

How to Redeem Your Points

The Membership Reward Points you earn with your American Express® Gold Card can be redeemed for a wide range of products, services, and vouchers. Most notably, you can choose from Amex’s 18 Karat Gold Collection and 24 Karat Gold Collection.

18 Karat Gold Collection (18,000 Points)

  • Taj voucher worth ₹9,000
  • Shoppers Stop voucher worth ₹7,000
  • Tata Cliq voucher worth ₹7,000
  • Myntra voucher worth ₹7,000
  • Amazon voucher worth ₹6,000
  • Flipkart voucher worth ₹6,000
  • Reliance Digital voucher worth ₹6,000

24 Karat Gold Collection (24,000 Points)

  • Taj voucher worth ₹14,000
  • Shoppers Stop voucher worth ₹10,000
  • Tata Cliq voucher worth ₹9,000
  • Tanishq voucher worth ₹9,000
  • Amazon voucher worth ₹8,000
  • Flipkart voucher worth ₹8,000
  • Reliance Digital voucher worth ₹8,000

Note: You will not earn reward points on fuel transactions.

Other Features and Benefits

Welcome Benefit

  • Get 4,000 bonus Membership Rewards Points when you spend ₹10,000 within 90 days of getting the card and after paying the first year’s annual fee.

Milestone Benefit

  • Earn 1,000 bonus points every month when you do 6 transactions of ₹1,000 or more in a calendar month.

No Pre-set Limit

  • This is a Charge Card with no fixed spending limit.
  • Your transactions are approved based on your income, credit history, spending pattern, and account usage.

Cashback Benefit

  • Get ₹500 cashback per month on Lakme Salon visits across 35+ Lakme Salons (limited period offer).

Fuel Convenience Fee Waiver

  • 0% fee on fuel purchases below ₹5,000 at HPCL petrol pumps.
  • 1% fee on fuel purchases of ₹5,000 and above at HPCL petrol pumps.

Dining Discount

  • Get up to 20% off at partnered restaurants.

Travel Benefits
Unlock exclusive privileges with your American Express® Gold Card through The Hotel Collection. When you book a minimum of two consecutive nights at 400+ premium hotels worldwide — including Hilton, Intercontinental, and Hyatt Hotels — you enjoy:

  • Complimentary room upgrade (subject to availability)
  • US $100 hotel credit for dining, spa, or other eligible services during your stay

Fees and Charges

Type of Fee or ChargeAmount
Joining FeeRs. 1,000 + Applicable Taxes
Annual/ Renewal FeeRs. 4,500 + Applicable Taxes
Cash Advance Fee3.5% (Minimum of Rs. 250)

Things to Know Before you apply

Get this card if:

  • You want to earn good rewards on your daily spends.
  • You pay bills like electricity, phone, or fuel through your card and want rewards on them.
  • You travel often and want hotel stay benefits.
  • You are comfortable paying a higher annual fee (₹5,000).

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For American Express® Gold Credit Credit

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

American Express® Gold Credit Credit Hilights

What do we like about this card?

  • Earn 1 Membership Rewards® point on every spend, including fuel and utility payments.
  • Redeem your points for premium items from the 18 and 24 Karat Gold Collection.
  • Get 1,000 bonus points when you make six transactions of Rs.1,000 or more in a month.

Pros

  • Earn decent reward points on everyday spends, including utility bill payments.
  • Bonus 1,000 points every month (on making 6 eligible transactions).
  • Reward points can be redeemed for premium options, including 18K and 24K Gold Collection.
  • Exclusive benefits on stays at select top hotels.
  • Good option if you put most of your expenses on your credit card.

Cons

  • High annual fee of Rs. 5,000.
  • No complimentary airport lounge access.
  • Focused more on reward points—does not offer direct cashback.
  • Not the best choice if you want a low annual fee card.

American Express Bank Credit Card Contact Details

  • Contact Address: American Express Banking Corp. Cyber City, Tower C, DLF Bldg. No. 8, Sector 25-A, DLF City Phase II, Gurgaon – 122002, Haryana, India
    Helpline:1800 419 3646 (Toll-Free, India) +91 124 2801800 (International)
    Simply SMS: Send AMEXHELP to 561616 for instant assistance
     

Frequently Asked Questions

Everything you need to know about this credit card

A. The American Express® Gold Card has no pre-set credit limit. This doesn’t mean unlimited approval — your transactions will be approved based on your spending pattern, credit history, finances, and account usage.

A. You earn Membership Rewards Points on every spend. To redeem them, just log in to the American Express rewards portal, browse the catalogue, and choose vouchers, products, or options like the 18 & 24 Karat Gold Collection.

A. The minimum points required depend on the frequent flyer program you choose. It usually ranges from 500 points to 1,600 points.

A. Yes, you can redeem points for many products in the Amex catalogue. However, specific vouchers and deals may have their own terms and conditions.

A. Yes, you can. But cash withdrawals have a 3.5% fee (of the withdrawn amount) plus finance charges until paid off. It’s not recommended, as charges are very high.

A. A late payment fee of 5% per month (minimum Rs.300) will be charged on the outstanding balance.

A. This is a charge card, not a regular credit card. You must pay your full bill every month. You cannot carry forward the balance by paying just the minimum due.

A. Travel benefits are limited. You get perks like room upgrades and hotel credits at luxury hotels (Hilton, Hyatt, Intercontinental, etc.), but it doesn’t offer lounge access, free stays, or low forex markup like other travel cards.

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