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  • American Express┬« Gold Card

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  • This card by American Express has no credit 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.
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    Key Highlights of American Express Gold Card

    • No pre-set spending limit on your card.
    • Get 1,000 bonus Membership Reward Points every month.
    • Get 5,000 Membership Reward Points when you renew your card membership each year.
    • Earn 1 Membership Reward Point per Rs.50 spent.
    • Enjoy a fee waiver when you use HPCL stations.
    • Access travel benefits with Amex's The Hotel Collection.
    • Save up to 20% when you dine at selected restaurants.

    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

    • Get access to The Hotel Collection and enjoy the following benefits:
      • Room upgrades whenever possible.
      • $100 hotel credit that can be used for spa and resort activities and dining.
    • Participating hotels include:
      • Vivanta By Taj, Madikeri, India.
      • La Bandita Townhouse, Pienza, Italy.
      • Hotel Schweizwehof Luzern, Lucerne, Switzerland.
    • Make flight, hotel, and car rental bookings via American Express' dedicated travel web page and get access to great discounts and deals.

    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.

    Latest Offer Benefits

    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:

    • Get 5xMembership Rewards Pints on auto debit payments made for Tanishq's Golden Harvest Scheme (expiring on 14 June 2019).
    • Instant discount of 25% on Marriott spa packages at selected Marriott hotels (expiring on 14 August 2019).
    • Get a complimentary night's stay when you stay for 2 consecutive nights at Neemrana Fort Palace, Rajasthan (expiring on 30 September 2019).
    • 25% instant discount on the best available rate at The Gateway Hotels and Taj Vivanta (expiring on 30 September 2019).
    • Get a complimentary bottle of house wine on a bill of Rs.3,500 at Olive Bar & Kitchen (expiring on 30 November 2019).

    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.8,000 Amazon gift card.
    • Rs.7,000 Tanishq voucher.
    • Rs.7,500 credit against your statement.

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

    • Bose Sound Link Color II Bluetooth speaker.
    • Rs.11,000 worth online vouchers from American Express domestic travel.
    • Rs.10,000 statement credit.

    Alternatively, points can be converted to air miles with selected airline partners and can be redeemed for a flight ticket.

    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
    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 & 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.

    How to Apply Online American Express Gold Card

    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.

    FAQ's

    Can I transfer my Membership Reward Points to any airline?

    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.

    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.

    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.

    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.

    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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