American Express Gold
by American Express · Data verified 2 days ago
4X MR points on dining and international spends, 3X on domestic flights. Taj InnerCircle Epicure membership. Best mid-range Amex card.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 1,000 bonus Membership Rewards points every month on completing 6 transactions of ₹1,000+
- Charge card with no pre-set spending limit
- 5,000 Membership Rewards points on paying joining fee & spending ₹10,000 in 90 days
- 1 MR point per ₹50 spent on all retail transactions
- 5X MR points on purchases via Reward Multiplier portal
Things to Consider
- No complimentary airport lounge access
- High annual fee of ₹4,500 + GST with no spend-based waiver
- Lower merchant acceptance in tier-2/3 offline retail compared to Visa/RuPay
- 3.5% + GST foreign currency markup fee
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping | 1 pts/₹100 | 1 MR per ₹50 |
| Dining | 1 pts/₹100 | 1 MR per ₹50 |
| Travel | 1 pts/₹100 | 1 MR per ₹50 |
| Fuel | — | No MR on fuel/insurance/utilities |
Travel Insurance
₹25L cover
Fuel Savings
₹350/mo
Lost Card Cover
₹0
Dining
- •Premium dining experiences via Global Dining Collection
- •Reward points on dining
Shopping
- •Reward points earned on all eligible purchases
- •Contactless (tap-and-pay) enabled
Travel
- •1% fuel surcharge waiver
- •4 domestic lounge visits per year
- •International usage enabled
Special Offers & Features
- •5X Membership Rewards Points on international spends
- •Complimentary Taj Epicure membership
- •Global Dining Collection — premium dining experiences
- •1% fuel surcharge waiver
EMI Options
- •Plan It EMI on purchases above Rs.3,000
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Transparent fixed monthly fee
Reward Transfer Partners
Singapore Airlines
British Airways
Marriott Bonvoy
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to American Express's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on American Express Gold
Air India: 10X Rewards on Flight Bookings with Amex
Earn up to 10X Membership Rewards points on Air India flight bookings. Valid for Centurion and Platinum cardholders.
Valid for American Express Centurion and Platinum cardholders only. Points credited within 120 days.
MakeMyTrip
Experience luxury travel with American Express Cards on MakeMyTrip. Enjoy a flat 10% instant discount up to ₹3,000 on flights and luxury hotels with code AMEXMMT.
Step 2: Search for domestic/international flights or luxury hotels totaling ₹10,000+.
Step 3: Enter promo code AMEXMMT on payment review screen.
Step 4: Pay with American Express Card to get up to ₹3,000 instant discount.
Valid on flight and hotel bookings across India and international routes. Minimum spend of ₹10,000 required. Maximum discount of ₹3,000 per booking. Valid once per cardholder per calendar month.
Tata CLiQ Luxury
Indulge in designer couture, luxury watches, and fine lifestyle accessories. American Express Cardholders get flat 10% instant discount up to ₹2,500 on Tata CLiQ Luxury.
Step 2: Add designer fashion, watches, or accessories worth ₹7,500 or more.
Step 3: Enter promo code AMEXTATACLIQ at checkout.
Step 4: Pay with your American Express Card to get 10% instant discount up to ₹2,500.
Valid on eligible luxury brands on Tata CLiQ Luxury. Minimum transaction value of ₹7,500 required. Maximum instant discount is ₹2,500 per transaction. Valid once per cardholder per calendar month.
Frequently Asked Questions
Everything you need to know about American Express Gold
- • Min age: 18 years
- • Salaried: ₹50,000/month min
- • Self-employed: ₹50,000/month min
- • CIBIL: 720+ recommended
- • Instant: Pre-approved American Express customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for American Express Gold today and unlock amazing rewards and premium experiences.
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