American Express Gold Card

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The American Express Gold Card is a special type of credit card available in India, designed to provide a flexible spending experience. Unlike traditional cards, it doesn't have a fixed credit limit. Instead, the limit adjusts depending on factors like how you spend, your financial situation, and your credit score. This makes it unique compared to other cards that have a set limit.

Although the Gold Card is not as premium as the Platinum Card, it still offers great benefits, especially for those who love to travel and dine out. The card now comes with even better offers, making it an attractive option. For every Rs. 50 spent, you earn 1 Membership Rewards Point. This card is great for frequent travelers and people who enjoy dining perks. With a joining fee of Rs. 1,000 and an annual fee of Rs. 4,500, it provides flexible spending and valuable rewards across travel, dining, and shopping.

Credit Card Detail
American Express Gold Charge Card
Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 4500.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
You will receive 4,000 Bonus Membership Rewards Points and an additional 2,000 Referral Bonus Membership Rewards Points.
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Rewards Rate
Earn 1 Membership Rewards Point for every Rs. 50 spent with the card, and 5X Membership Rewards Points when using the Rewards Multiplier Portal.
Reward Redemption
You can use your Membership Rewards Points for travel, accessories, dining on the AmEx Redemption portal, or towards the 18 and 24 Karat collection.
Movie & Dining
Get up to 25% off on orders from The Oberoi Gurgaon, The Leela, and other partner restaurants, plus up to 20% off at select other restaurants.
Travel
Get a 10% discount on Air Vistara tickets and discounts with top luxury hotel chains.
Golf
NA
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.5% per month
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Cash Advance Charges
A fee of 3.5% of the withdrawal amount, with a minimum charge of Rs. 250.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
No surcharge at HPCL fuel stations for transactions up to Rs. 5,000. A 1% surcharge applies at BPCL and IOCL stations, and a 2.5% surcharge at other fuel stations.
Card Details
  • Enjoy 5X Membership Reward Points on all purchases made through the Reward Multiplier portal.
  • Receive 4,000 Bonus Membership Reward Points as a welcome gift.
  • Get up to 25% off on orders from hotels like The Oberoi Gurgaon, The Leela, and The Lodhi, along with up to 20% off on dining at selected restaurants.
  • Get 5,000 Bonus Membership Reward Points when you renew the card for the first year, after paying the annual fee.
  • Fuel surcharge is waived at HPCL fuel stations.
  • Earn 1,000 Bonus Membership Reward Points if you make six transactions of Rs. 1,000 or more in a month.
  • For every Rs. 50 spent, earn 1 Membership Reward Point (excluding insurance and cash transactions).
  • Access discounts at top luxury hotel chains.
  • You can choose to pay the card’s membership fee monthly at Rs. 375/month.
  • The card has no pre-set credit limit.
Pros/Cons
Pros
- This card offers great travel and dining benefits, along with 5X rewards through the reward multiplier. You can earn extra points while shopping with popular brands like Apple and Flipkart. Plus, the joining fee is just Rs. 1,000.
Cons
- This card offers some travel benefits, but it doesn’t include access to international or domestic lounges.
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Frequently Asked Questions

What is a Charge credit card?

American Express offers two Charge cards in India: Gold and Platinum. These cards don’t have a fixed credit limit; it’s flexible based on your usage.

Is this card available all over India?

The card is available only to residents of select cities like Mumbai, Delhi/NCR, Bangalore, Chennai, and others.

How do I know if my card supports contactless payments?

Look for the contactless network symbol on both sides of the card to know if it's enabled for contactless payments.

What is the validity of American Express Membership Rewards Points?

The points are valid for life and never expire.

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

The minimum points required for conversion to air miles can range from 500 to 1,600 points, depending on the frequent flyer program.

Can I redeem my points for products outside the Gold catalog?

Yes, you can redeem points for other products in the Amex catalog, but certain product vouchers may have additional terms.

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