American Express Gold Credit Card -Features, benefits, Fees & Charges

American Express Gold Credit Card (4)

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Imagine being able to use your credit card without worrying about credit limits. With the American Express Gold Credit Card, you can do just that and more! For a joining fee of ₹1,000 and an annual fee of ₹4,500, you will gain access to a world of travel rewards and luxurious perks. You get welcomed with 4,000 Membership Reward Points, earn 5x reward points on every purchase, and receive vouchers from brands such as Taj, Tanishq, Flipkart, Amazon, and more. In addition, you will also have access to 24x7 concierge services, enjoy 20% off at restaurants, and receive a reward rate between 1% and 6% on every purchase. Keep reading to learn more about the exclusive benefits that come with this card. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

4,000 bonus points on spending ₹10,000 within the first 90 days of card generation.

Travel Benefit
  • Complimentary room upgrade facility at selected hotels.
  • US$100 hotel credit for staying at over 400 hotels worldwide.

Note: Hotel credit applies to spending 2 consecutive nights at selected hotels.

 

Milestone Benefit

1,000 bonus points on 6 transactions of ₹1,000 every month.

 

Reward Points
  • 5x reward points on every purchase through “Reward Multiplier”.
  • 1 point on every ₹50 spent on fuel and utilities.'
  • Reward Rate: 1% to 6%

Note: Utilities include electricity, gas and water.

Dining Benefit

Up to 20% off at partner restaurants.

Fuel Surcharge
  • 1 reward point on every ₹50 spent on fuel.
  • 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
  • 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.
Zero Lost Card Liability
  • User liability is Nil if the fraud is reported within 3 days.
  • Max. liability of ₹1,000 if the fraud is reported beyond 3 days.
Other Benefit
  • 24x7 Card Related Assistance.
  • Emergency Card Replacement.
  • No pre-set limit to spend. 

Note: No pre-set limit means users don’t have to worry about the credit limit while making purchases and transactions get approved based on their finances, credit record, spending pattern and account history.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹1,000

Annual Fee

₹4,500

Annual Percentage Rate

42%

Add-on Card Fee

₹1,500

Minimum Repayment Amount

5%

Cash Withdrawal Fee

₹0

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.50
Late Payment Charges

Any Amount Due

30% of Minimum Amount Due subject to minimum of ₹ 500 and maximum of ₹ 1,000
Pros

Aspects that make this credit card amazing.

  1. No pre decided credit limit.
  2. It offers reward points on fuel and utility.
  3. 5x Reward Points on every purchase through Reward Multiplier.
  4. 24/7 card related assistance.
Cons

Aspects this credit card lacks.

  1. No access to airport and railway lounges.
  2. No concierge services other than card assistance.
  3. Convenience fee of ₹99 is levied on the EMI conversions.
  4. The card is available in selected cities only.
American Express Gold Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(3.5)

American Express Gold Credit Card Review

If you are a frequent traveller or someone who spends a lot on dining and other eligible categories, then the American Express Gold Credit Card could be an ideal option for you. This credit card comes packed with several benefits that cater to your lifestyle needs. You can earn decent rewards, get exclusive benefits, and enjoy 24/7 customer support. 

One of the most unique features of this card is that it offers no pre-set credit limit, so you can spend freely without worrying about hitting a limit. Additionally, the card lets you earn a reward rate as high as 6%, which means you can accumulate reward points quickly. You can even earn reward points on your fuel and utility expenses which are often excluded from other reward programs.

However, it's worth noting that the American Express Gold Credit Card comes with a high annual fee and limited acceptance. So, while it may be a good fit for some users, it may not be suitable for everyone.
Cards similar to American Express Gold Credit Card:
1. HDFC Regalia Gold Credit Card
2. SBI Elite Credit Card
3. HDFC Diners Club Metal Edition Credit Card

Key Highlights of American Express Gold Credit Card

Best for Lifestyle & Rewards
Joining Fee ₹1,000 + Applicable Taxes
Annual Fee ₹4,500 + Applicable Taxes
Welcome Bonus 4,000 Bonus Points
Card Network American Express

Who should get the American Express Gold Credit Card?

The American Express Gold Credit Card is best suited for individuals who usually spend a lot on travel, daily utilities, shopping, dining, etc., and also wish to earn rewards on all the spending done across these categories in the form of reward points. Users who wish to have all these premium benefits by paying a fee of ₹4,500 may find this card best suited for themselves on a day-to-day basis.

Reward Points on American Express Gold Credit Card

With the American Express Rewards Credit Card, users earn reward points for every spent. All the reward points can be redeemed for various exclusive vouchers from the top brands under the "18 and 24 Karat Gold Collection" program, as listed below. Among these, users can choose the voucher of their choice.

18 Karat Gold Collection / 18,000 points 24 Karat Gold Collection / 24,000 points
Taj voucher worth ₹9,000 Taj voucher worth ₹14,000
Shoppers Stop voucher worth ₹8,000 Shoppers Stop voucher worth ₹11,000
Myntra voucher worth ₹8,000 Vistara voucher worth ₹11,000
Big Basket voucher worth ₹8,000 Tanishq voucher worth ₹10,000
Amazon voucher worth ₹7,000 Amazon voucher worth ₹9,000
Croma voucher worth ₹7,000 Croma voucher worth ₹9,000
Flipkart voucher worth ₹7,000 Flipkart voucher worth ₹9,000

Note: Reward points are not applicable for the transactions made on Insurance and Cash Withdrawals. 

How to apply for an American Express Gold Credit Card?

American Express Gold Credit Cards can be applied by calling 1-800-419-2122 and through an online application process as well. To apply online, follow the below-mentioned steps:

  • Visit the American Express Website

  • The "Gold Credit Card" is listed under the "Card” section.

  • Click on "Apply Now" and start the application process.

  • Fill in all the required details and upload all the necessary documents to complete the process.

American Express Gold Credit Card Eligibility

  • Age: 18 years and above
  • Income Required: ₹6 lakh per annum
  • Have a good credit history and no payment defaults
     

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
American Express Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

American Express Bank

American Express Bank Credit Card Customer Care Number:

1800 419 5960

American Express Bank Card Offers:

View Offers

Total Cards:

13,46,343
American Express Bank Credit Card News

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American Express Gold Customer Reviews

Overall Rating

4

Based on 1 reviews

Rating Summary

5
0%
4
100%
3
0%
2
0%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

This is a charge card with no pre-set limit, which means you can spend as much as you want. Your transactions are approved based on your financial situation, credit history, spending habits, and account history.

The American Express Gold Card has a variable APR (annual percentage rate) of 15.49% to 25.49%. 

Yes, you can withdraw cash from any eligible ATM with your American Express Credit Card. At an ATM, you can get a cash advance using your Amex Gold card. Insert the card into the ATM, enter your PIN, and select the cash advance option.

Yes, the American Express Gold Card is suitable for travel benefits as it offers complimentary room upgrades and hotel credits on stays at top hotels, including Hilton Hotels, Intercontinental Hotels Group, and Hyatt Hotels.

Because the American Express Gold Credit Card does not have a set spending limit, the available credit is determined each month based on the cardholder's previous spending habits, income, payment history, and other factors. This does not imply that customers have no spending limits and can spend as much as they want. Instead of a fixed spending limit, Amex Gold Credit Cardholders receive a flexible spending allowance.

A rewarding experience is provided by the American Express Gold Credit Card, which also comes with an unlimited credit limit, cash back, and travel benefits. You must be at least 18 years old and make at least Rs. 6 lahks annually to be eligible. Additionally, you must have a current or savings account with an Indian or international bank and a solid credit history. Prepare to take advantage of the many benefits and rewards this outstanding credit card offers.

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