Your American Express Gold Card doesn't come with a pre-set limit. As such, it provides you with financial flexibility. This doesn't mean that there is no limit to how much you can spend. In cases, where you may be planning to make a large purchase with your card, do inform Amex in advance.
You get to enjoy a variety of offers when you use your Amex Gold Card at participating merchants. Here are some of the offers you can enjoy:
With your Amex Gold Card, there is always an opportunity to earn Membership Reward Points. From the time you get your card and pay the annual fee, you start earning.
You get a welcome bonus of 5,000 Membership Reward Points and also the opportunity to earn 1,000 points each month. Moreover, for every Rs.50 you charge to your card, you earn 1 Membership Reward Point.
Additionally, eligible transactions made via Amex's dedicated travel portal will earn 1 EXTRA Point for every Rs.100 spent.
The points you accrue can be redeemed for a number of products and services. Most notably, the Membership Reward Points you earn on your charge card can be used to redeem goodies from Amex's 18 Karat and 24 Karat Gold Collection.
With 18,000 points, you can get the following from the 18 Karat Gold Collection:
From the 24 Karat Gold Collection you can get the following with 24,000 points:
Alternatively, points can be converted to air miles with selected airline partners and can be redeemed for a flight ticket.
|Joining fee||Rs.1,000 + taxes|
|Annual fee||Rs.4,500 + taxes|
|Cash advance fee||3.5% per transaction or Rs.250, whichever is higher|
|Cash advance limit||Rs.10,000 every 14 days|
|Redemption fee for air miles||Rs.250 for per redemption|
|Duplicate statement fee||Rs.100 per statement for statements older than 3 months|
|Add-on card fee||Nil for the first 2 add-on cards|
|Foreign currency transactions fee||3.5%|
|Cheque return fee||Rs.250 per cheque returned|
|Convenience fee for utility bill payments||Up to 1.95% per transaction|
Eligibility criteria for the Amex Gold Card are:
The documents required are:
You can apply for this card on American Express' website. The entire application form will not take longer than 10 minutes to complete if you have all the required information handy.
No, you can only convert Membership Reward Points to air miles of participating carriers. These include Virgin Atlantic, Singapore Airlines, Etihad, Finnair, Qatar, Emirates, British Airways, and Asia Miles partners.
Depending on the frequent flyer programme you are converting your points to, the minimum number of points required per conversion can range anywhere from 500 points to 1,600 points.
Yes, as long as you are redeeming your points for products which are part of the Amex catalogue. However, do keep in mind that vouchers for particular products may be subject to their own terms and conditions.
Yes, you will be charged a fee which is 5% per month on the outstanding amount subject to a minimum of Rs.300.
Check your card to see if it has the contactless network symbol. This symbol will be on both sides of the card. If your card has this symbol, then you can use it for contactless transactions. You don't have to do anything else to activate this feature.
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