Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
Bonus Points
Rewards 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
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.
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:
| 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 criteria for the Amex Gold Card are:
The documents required are:
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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