4 Rating • American Express Bank

American Express Gold Credit Card

Premium Category Reward Points
Reward Rate
20%
Annual Fee
₹4500
Premium General
Processing: 7-10 days
100% Secure
American Express BANK
American Express
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

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. 👇

Quick Overview

Card Type Premium
Bank American Express
Annual Fee ₹4500
Reward Rate 20%
Reward Type Reward Points
Processing Time 7-10 days
Minimum Income Not specified

Expert Review

Key Features

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 e...

Key Highlights

Reward Rate

20%

Annual Fee

₹4500

Rating

4/5

Category

Premium

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

No pre decided credit limit.

It offers reward points on fuel and utility.

Limitations

No access to airport and railway lounges.

No concierge services other than card assistance.

The card is available in selected cities only.

Fee and Charges

Joining Fee

₹1000

Annual Fee

₹4500

APR

42%

Charge Type Amount
Add-on Card Fee ₹1500
Card Replacement Fee Nil
Foreign Transaction Fee 3.50%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
Below ₹100 Not specified
₹100 to ₹500 Not specified
₹501 to ₹5,000 Not specified
₹5,001 to ₹10,000 Not specified
₹10,001 to ₹25,000 Not specified
₹25,001 to ₹50,000 Not specified
More than ₹50,000 Not specified

Membership Rewards Structure

Rewards Category Rate Eligibility
Travel Bookings 4X Airlines, hotels booked directly or via Amex Travel
Dining 4X Restaurants worldwide
Supermarkets 3X Grocery stores and supermarkets
All Other Spends 1X General purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Premium Service Seekers

Ideal for those who value premium services and exclusive benefits

How to Apply

1

Visit the [American Express Website](https://www.americanexpress.com/in/credit-cards/all-cards/?cpid=100496006&dsparms=dc_pcrid_633020792827_kword_american%2520express_match_e&gclid=EAIaIQobChMIlLatr4aT_QIVgdDtCh0bdQT1EAAYASABEgIi5vD_BwE&gclsrc=aw.ds).

2

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

3

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

4

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

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: Stable income required

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. 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>

Expert Review

Charges
2/5
Rewards
5/5
Customer Service
4/5

Detailed Analysis

The American Express Gold Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With 20% rewards on eligible spends, it makes a compelling option for premium enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of ₹4500 and other associated charges. These factors should be weighed against the benefits offered.

Overall, the American Express Gold Credit Card is a good option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank American Express
Category Premium
Rating 4
Reward Type Reward Points

Best Suited For

Premium
General

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