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

    This card by American Express has no spending limit which enables flexible spending along with availing several offers and benefits in the category of travel, dining as well as shopping. The joining fee of this credit card is Rs.1,000 and an annual fee of Rs.4,500.


    Key Highlights of American Express Gold Card

    • Get 1,000 bonus points for six transactions totaling Rs.1,000 each in a given month.
    • Get 1 Membership Rewards® point for every money you spend with Amex Gold Card including on fuel and utilities.
    • Use your Points to purchase items from the exquisite 18 and 24 Karat Gold Collection.

    Benefits & Features of American Express Gold Card

    Bonus Points

    • Earn 1,000 Membership Reward Points every month when you make 6 transactions of Rs.1,000 or more each month.
    • Pay your card membership for the first year and get 5,000 Membership Reward Points. This will be credited to your account within 90 days of the payment being processed.
    • This welcome gift is only when you pay the annual fee in the first year and if you spend Rs.2,000 within 60 days from the date of card approval.

    Rewards Points

    • Get 1 Membership Reward Point per Rs.50 that you spend on eligible retail transactions.
    • Fuel, utility, insurance, and cash transactions do not earn any Membership Reward Points.

    Travel Benefits

    A room upgrade (if available) and a USD 100 hotel credit when you stay for two consecutive nights at over 400 hotels worldwide, such as Hilton Hotels, Hyatt Hotels, and Intercontinental.

    Dining Benefits

    • Up to 20% off at selected restaurants.

    Credit Card Limit of American Express Gold Card

    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.

    Reward Points Benefits of American Express Gold Card

    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.

    How to Redeem Your Points

    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:

    • Rs.7,000 Amazon gift card.
    • Rs.8,000 Myntra gift card
    • Rs.9,000 Taj Voucher
    • Rs.7,000 Flipkart gift card
    • Rs.7,000 Croma gift card

    From the 24 Karat Gold Collection you can get the following with 24,000 points:

    • Rs.9,000 Amazon gift card.
    • Rs.10,000 Tanishq gift card
    • Rs.14,000 Taj Voucher
    • Rs.9,000 Flipkart gift card
    • Rs.9,000 Croma gift card

    Fees & Charges of American Express Gold Card

    Particulars Amount
    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
    Add-on card fee Up to two Supplementary Cards are provided without charge, and each additional Supplementary Card costs Rs.1,500

    Eligibility & Documentation of American Express Gold Card

    Eligibility criteria for the Amex Gold Card are:

    • You have to be over 18 years.
    • If you are self-employed, your company should be in business for a minimum of 12 months.
    • You must have a good credit history and should not have defaulted on your payments.
    • You must have a minimum annual income of Rs.6 lakh

    The documents required are:

    • A copy of your PAN card.
    • Your office address.
    • Details of your American Express card, if any.
    • Address proof which includes your postcode.
    • Contact details.

    FAQs on American Express Gold Card

    1. How many points do I need to redeem them for air miles?

      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.

    2. Can I redeem my points for products apart from those in the 18 Karat and 24 Karat Gold catalogue?

      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.

    3. Is there any fee if I default on my payment?

      Yes, you will be charged a fee which is 5% per month on the outstanding amount subject to a minimum of Rs.300.

    4. How do I know if my card is enabled for contactless payments?

      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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