Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • American Express® Gold Card

    With 'no pre-set' credit limit, the Amex Gold Card enables greater flexibility in spending. The reward points accrued on the card are worth their weight in Gold and can be redeemed for 24 & 18 Karat Gold Collection. Apply online & win exciting gifts

    Enjoy unmatched privileges and a host of benefits like the tempting travel deals, dining offers, and round the clock assistance with the American Express Gold Card. Also, the accumulated reward points on the credit card can be used for a wide range of amazing options.

    Key Highlights of the American Express Gold Card

    The card meets most requirements of individuals who want lifestyle benefits and reward points on their credit card.

    BankBazaar offers on the American Express Gold Card

    • You earn an Amazon shopping voucher worth Rs.500 when you apply for the card on BankBazaar.
    • The application and the approval process in BankBazaar are entirely paperless.

    Features and benefits of the American Express Gold Card

    Welcome gift: Welcome gift includes 4,000 Bonus Membership Reward Points. The reward points will be credited upon paying the annual fee and when the cumulative spends within the first 60 days of card issuance reach Rs.2,000.

    Dining benefits: You also enjoy dining discounts of up to 20% at select restaurants in India.

    Reward points program

    • Every Rs.50 spent on the card will bring you 1 Membership Reward Point except for fuel spends, insurance and utility payments, and cash withdrawals.
    • The accrued points can be used to redeem more than 500 options including hotels, airlines, and electronics. The points can also be exchanged for 24 Karat Gold Collection and 18 Karat Gold Collection.
    • The 24 Karat Gold Collection can be utilised when you earn 24,000 points. Various options listed under the collection include Amex domestic travel online voucher worth Rs.11,000, Bose Sound Link Colour II Bluetooth speaker, and statement credit of Rs.10,000.
    • The 18 Karat Gold Collection can be redeemed for 18,000 points. The Collection includes statement credit worth Rs.7,500, Amazon gift voucher of Rs.8,000, and Tanishq voucher of Rs.7,500.

    Renewal bonus: The first-year card renewal will bring 5,000 membership reward points once the fee is paid. The MR points will be credited within 90 days of card renewal.

    Monthly MR points: Upon finishing 6 transactions worth Rs.1,000 each in a month, you are eligible for 1,000 bonus membership reward points.

    No pre-set limit: You can enjoy flexibility in spending with ‘no pre-set’ limit which means the charges are approved based on your spending behaviour, financials, credit record and account history. However, the 'no pre-set' limit does not mean that your spending is unlimited.

    Fuel convenience fee waiver: Zero convenience fee on fuel purchase made at any Hindustan Petroleum outlets in India. The maximum purchase value is capped at Rs.25,000. Fuel transactions above Rs.25,000 will attract a discounted surcharge of 0.3%.

    Supplementary cards: You are entitled to one free supplementary card at no additional cost. The cards carry the same features of the primary card and will be issued to your immediate family members upon request.

    24X7 assistance: Any card related queries or concerns can be resolved through a 24X7 toll-free service helpline. Amex also provides immediate card replacement service of the card.

    Zero liability on lost card: You remain 0% liable on all the transactions that take place on the card once it’s lost or stolen. However, the loss needs to be reported within 3 working days of the fraud. Otherwise the maximum liability would be Rs.1,000.

    Contactless payment technology: The Gold Card comes with contactless payment technology which sends encrypted payment information between the source and the merchant. The contactless payment is currently allowed only for transactions below Rs.2,000.

    American Express Gold Card fees and charges

    Types of charges Amount
    Joining fee Rs.1,000
    Annual fee Rs.4,500
    Cash advance fee 3.5% per transaction or Rs.250, whichever is higher
    Redemption fee for Air Miles Rs.250 for each redemption of Air Miles
    Duplicate statement fee Rs.100 per statement for statements older than 3 months
    Add-on card fee NIL for the 1st card; Rs.1,000 for every card thereon
    Cheque return fee Rs.250 per returned instrument
    Foreign currency transactions fee 3.5%

    Eligibility to apply for the American Express Gold Card

    The eligibility criteria for the American Express Gold Card are as follows:

    • You are over 18 years of age.
    • You have a minimum income of Rs.6 lakh per annum.
    • You possess a good credit history with no defaults in payments.
    • You must have an existing credit card of any bank.
    • You are an Indian resident.
    • If self-employed, your company has been trading for over 12 months.
    • You are a resident of Ahmedabad, Bangalore, Bhopal, Ernakulam, Goa, Guntur, Kolkata, Pune, Mumbai, Bhubaneshwar, Chandigarh, Chennai, Hyderabad, Indore, Jaipur, Surat, Vadodara, Vijayawada, Coimbatore, Kanchipuram, Delhi/NCR, or Vizag.

    Documents needed to apply for the American Express Gold Card

    • KYC documents such as PAN, ID proof, and address proof
    • Form 16/ Salary slip
    • 1 recent photograph
    • For any document other than the ones mentioned here, you would be informed by the bank.

    How to apply for the American Express Gold Card online?

    To apply for the Gold Card, you can visit American Express official website.

    Another way of applying for the card is through the BankBazaar website. The benefits of applying this way include gift vouchers, rapid processing of application, a chance of knowing your credit score for fee etc.

    If you want to apply through BankBazaar, just follow the below-mentioned steps

    • Click on the ‘Check Eligibility’ button on the AMEX Gold Card page.
    • If you’re eligible, you will be redirected to the online application page where you need to fill the required details.
    • After submitting the necessary details, you would be guided to upload the documents needed by the bank.
    • An application ID that can be used to track the application status would be shared on your mobile number. Click on 'Track Application’ and enter the ID to know the status.

    FAQs Related to American Express Gold Card

    1. Will I earn membership reward points for all kinds of transactions?
    2. You will earn membership reward points for all kinds of transactions except cash transactions, utilities and insurance payments.

    3. Can I get an American Express Gold Card for myself?
    4. Check the eligibility section of the card to know if you are eligible for it. If you can prove your eligibility, you would get the card.

    5. What are the uses of the American Express Gold Card?
    6. The American Express Gold Card is a lifestyle card that offers you travel benefits, dining benefits, an impressive rewards program, etc. Check out the features and benefits section to know about all the uses and features of the card.

    7. What is the credit limit for the gold card?
    8. The Amex Gold card does not come with a pre-set limit. The limit varies based on the spending habits, financials, credit records and account transaction history of the customer.

    9. How can I contact the American Express Gold Card customer care?
    10. To contact American Express Gold Card customer care, just dial the 24-hour helpline number 0124-280 1111 or 1800- 419-1120.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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