Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • loading

    We found 1 American Express® Gold Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    1000
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    You'll also love
    Think about
    Fee Details
    American Express® Gold Card is Rated as "Excellent!" by 166 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    American Express® Gold Card

    Based in New York, American Express (AmEx) is one of the largest the multinational corporations which offers a wide range of financial services. Along with credit cards, AmEx is one of the few companies that offers a charge card. Charge cards are steadily establishing themselves as a strong financial tool in the paperless economy. A charge card enables an individual to make payments without any interest attached to the repayment. The cardholder is expected to repay the dues on a monthly basis. The American Express Gold Card is one of the major charge cards launched by the company.

    Features and rewards Of American Express Gold Card

    • Welcome gift: Welcome gift includes 4,000 Milestone Bonus Membership Rewards 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. 
    • Rewards programme: Every Rs.50 spent on the card will bring 1 Membership Rewards 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 the cardholder earns 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 o Rs.8,000, and Tanishq voucher o Rs.7,500.
    • Renewal bonus: The first year card renewal will bring 5,000 membership rewards 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, cardholders are eligible for 1,000 bonus membership rewards points.
    • No pre-set limit: Cardholders can enjoy flexibility in spending with "no pre-set" limit which means the charges are approved based on the cardholder’s spending behaviour, financials, credit record and account history. Please note that 'no pre-set' limit does not mean 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%.
    • Dining privileges: At select restaurants, Gold cardholders will get 20% off on dining bills.
    • Supplementary cards: Every Gold cardholder is entitled to 2 free supplementary cards at no additional cost. The cards carry the same features of the primary card and will be issued to immediate family members of the cardholder upon request.
    • 24X7 assistance: Any card related queries or concerns can be resolved through a 24X7 toll-free service helpline.
    • Zero liability on lost card: The cardholder remains 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 immediately.
    • Emergency card replacement: Amex also provides immediate card replacement service in India or abroad within 2 business days of reporting the loss of the card.
    • 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.

    Fees & Charges Of American Express Gold Card

    The table given below describes the various fees and charges* associated with the charge card.

    Types of charges Size of charges

    Annual fee for first year of membership

    Rs.1,000

    Annual fee from second year of membership

    Rs.4,500

    Delinquency charges

    5% on the balance

    Redemption fee for Air Miles

    Rs.250 under Service Taxes

    Cash advance fee

    3.5% per transaction or Rs.250, whichever is higher

    Duplicate statement fee

    Rs.100 per statement for statements older than 3 months

    Cheque return fee

    Rs.250 per instrument

    Foreign currency transactions

    3.5%

    *The charges are subject to change as per the bank’s discretion.

    How to apply for the American Express Gold card?

    You can apply for the card online at BankBazaar.com. Visit the website and go to ‘credit cards’ page. Filter the results for American Express credit cards and then select Gold Card from the list. Click on “Check Eligibility” option to find your eligibility to apply for the card. If returned positive, you can apply for the card on the same page by following further instructions.

    Eligibility and documentation of American Express Gold Card

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

    • The card is available to people aged 18 and above.
    • The applicant should not have defaulted on payments.
    • The applicant should have a good credit score.
    • The card is available only to the residents of India.
    • If self-employed, the applicant’s company should have been trading for more than 12 months.

    The documents required for applying for this American Express card are as follows:

    • KYC documents such as PAN, ID proof and address proof
    • Form 16/ Salary slip
    • 1 recent photograph

    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 additional supplementary card?
    4. Two free supplementary cards come with each Amex Gold Care card. The issue of additional cards above the complimentary cards comes at an annual fee of Rs.1,500 per card.

    5. What is the cash advance fee for this card?
    6. The cash advance fee for all American Express cards is 3.5% of the transaction amount (minimum amount of Rs.250).

    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. Is there any cash withdrawal limit for this card?
    10. Yes, there is a cash withdrawal limit of Rs.10,000 for every fortnight.

    11. Will I still retain the American Express Gold credit card if my American Express Gold Card is declined or cancelled?

    Yes, you will continue to retain the American Express Gold Credit Card even after your American Express Gold Card is declined or cancelled provided you pay the annual fees and charges levied on the former.

     

    American Express® Gold Card Reviews

    • American Express Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I had been holding this card for the last one year and it had been a good experience i had with this card. They had given me with a credit limit of 1,85,000 and i am satisfied with it, there has been some good benefits in holding this card as well. I had been using this card for all my purchases.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 18, 2018
    • American Express Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Gold credit card with AMEX from last 6 months, the credit card services are best when compared to other cards. Reward points are good in this credit card and the conversion value is also good. There was no annual fee charged and the credit limit is fine in this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 26, 2018
    • American Express Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      I have my credit card approved with AMERICAN EXPRESS BANK , It has got a lot of offers and benefits. I'm using this card regularly, not only just points it has got a very good pack of benefits associated with it. So far it has been a very good credit card for all the daily life stuff.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 26, 2018
    • American Express Credit Card
      "Very good service"
      0.5 4.5/5 "Excellent!"
      I've been using the Amex Gold Card for a while, they provide Awesome service. Their customer support is Proactive and Polite. The reward point system is also very good and the value is way far better. I am really impressed with their services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 13, 2018
    • American Express Credit Card
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have a gold credit card with Amex Bank. I like the customer services as they are very customer friendly and professional as well. It is a life time free card. The credit limit is also good. The only thing is there is no airport lounge facility in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 04, 2018
    • American Express Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding the American Express credit card and they have provided me a category of Gold credit card. I'm not sure about the interest rate and annual fee for this card. They have offered me a unlimited usage card hence i can use the card as much as i want. I'm not much interested on offers in any of the card. I have applied the card 9 months before.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 01, 2018
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have bought this Amex card for past 1 month. Without any annual fee and there is some insurance for this card. They have offered me a credit limit of Rs. 50000 and they said they are going to increase in 3 months. Their customer care service is excellent. I never faced any issues with the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 01, 2018
    • American Express Credit Card
      "If you are international travel, Amex will be helpful"
      0.5 4.0/5 "Great!"
      I have not use the transaction much. Their customer care service was really nice. The use of the card in the market was good. In most of the POS machines, the card is not accepting. The card is not accepted in many of the places. There is no waiting time and they will address the concern properly. I have to pay the annual fee of Rs. 4500. If i do the more than a transaction of 50 K there is no annual fee.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 26, 2018
    • American Express Credit Card
      "Not useful card"
      0.5 2.0/5 "Expected more"
      I've been using the AMEX Gold Credit card for a while , the limit is fine but Not all merchants are accepting Amex as a mode of payments. This card is not suitable for domestic transactions. They need to work on their domestic acceptance level.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 16, 2018
    • American Express Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Amex Gold Credit card for a while. It has a very good limit and it provides offers as well. I never had any issues with their service. It also provided regular reward points which can be redeemed pretty easily. It is a very useful card for all daily life shopping.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 14, 2018
    • American Express Credit Card
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I've been using the AMEX Gold Credit card for a while. They said the card was limitless but it has a credit limit. The acceptance level of the card is also not good. Not all the merchants are accepting this card as a mode of payment. Overall it hasn't been a good experience with the card.
      Was this review helpful? 2
      , pune
      Reviewed on Jul 10, 2018
    • American Express Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the Amex Gold Credit card for the past 2-3 months, not all merchants are accepting this card. It has got a good limit but what's the use of a better limit if you cannot use it everywhere. They need to work on the acceptance level through out the country.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 10, 2018
    • American Express Credit Card
      "Amazing its very different"
      0.5 4.5/5 "Excellent!"
      I have applied for the American Express Gold card i have not received the credit card however i have received a charge card. It is a unlimited one. Their is a minor difference but i can able to see that once i use the same. As of now I'm going to use the card. I have not word with the customer care so far regarding this issue. Its a unlimited credit card. I have called them for a credit limit. I have to call them for approval of my bulk transaction. For a small amount of transaction they used to pre-approval.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 05, 2018
    • American Express Credit Card
      "Good to have in the valet"
      0.5 5.0/5 "Blown Away!"
      American Express is having a very good customer care service. This card is having some annual fee. They are charging Rs,. 1000 in the end of the year, they will waive of the annual fee based on the customer's usage of the credit card. They have offered me a credit limit of Rs. 6 lakhs and i'm very much satisfied with it. They are giving good rewards points. They are providing some offers on online purchase but I'm not aware of it.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 02, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Amex Gold credit card for a while. Not all the merchants are accepting this card as a mode of payment. They need to work on the acceptance level of this card. Overall it hasn't been a good experience with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • American Express Credit Card
      "Excellent Customer care"
      0.5 5.0/5 "Blown Away!"
      Very strong people in American express credit card. They are very much cleared about the products. Instead of other card, i will prefer mostly American express card. The American express card annual fee is high but even though it unlimited credit limit. They are charging Rs. 2500 as annual fee. They used to send a offer notification in gmail account.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 29, 2018
    • American Express Credit Card
      "Will not recommend this card"
      0.5 2.0/5 "Expected more"
      I'm not able to use this card in many of the merchants. The charges are very high if i use the card. The merchants has to pay more additional charges so they used to reject Amex. The customer care service is good they called me up in a very nice manner. The annual charges are very high in American express Gold card. First year annual charge is free. From the 2nd year they used to charge Rs. 5000. If i use more than 60000 in a year, they will waive off the annual fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 28, 2018
    • American Express Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have started using this American Express Gold credit card 5 months before. They have provided me a credit limit of rs. 75 K and I'm very much happy about it. Awesome customer care experience in American express. Overall, I'm satisfied with the card and services provided by them
      Was this review helpful? 0
      , pune
      Reviewed on Jun 28, 2018
    • American Express Credit Card
      "Very high budget card"
      0.5 5.0/5 "Blown Away!"
      I have taken this card 1.5 years back. The high paid launch access card. The interest rates very high compared to other credit card. The annual fee will get waived off. It is a life time free credit card. Not is accepted by most of the outlets. I will not pay over by amex. The card charge will be there if i use this card. I can pay bill by using the rewards points.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 26, 2018
    • American Express Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Amex Gold Card for a while. The service is fine but not all the merchants are accepting this card as a mode of payment. It is a lifetime free and card and I am happy with the services so far apart from the limited acceptance level.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2018
    Common Loader Icon

    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.

    Loading your search...
    Close

    Compare, check your eligibility and apply for credit cards online.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.