- Joining fee
₹1,000 + GST
- Annual fee
₹4,500 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 Membership Rewards Point/₹50 Spent Including Utilities. 5X Membership Rewards Points on Rewards Multiplier Portal
- Welcome benefits
4,000 Bonus Membership Rewards Points
- Reward redemption
Membership Rewards Points can be redeemed for travel, accessories, and dining on AmEx’s Membership Rewards Redemption portal, and against fabulous 18 and 24 Karat collection.
Benefits
- Movie & dining
Up to 20% Off on Select Restaurants
- Insurance
Air Accident Cover
Fees & charges
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% of the transaction amount
- Fuel surcharge waiver
Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations, and 2.5% surcharge at all other fuel stations.
- Cash advance charges
3.5% of withdrawal amount subject to a minimum amount of Rs. 250
Product highlights
- 4,000 Bonus Membership Reward Points as a welcome gift.
- 1,000 Bonus Membership Rewards Points on completing six transactions of ₹1,000 or above in a month.
- 1 Membership Reward Point on every ₹50 you spend using the card, excluding spending on insurance and cash transactions.
- 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
- Discounts in partnership with some of the most premium hotel chains.
- There is no pre-set credit limit.
- Fuel surcharge waived at HPCL fuel stations.
Pros & cons
Pros
- There are many travel and dining benefits provided with this card.
- Earn 5X rewards with the reward multiplier. You can earn more points while shopping with popular brands like Apple and Flipkart.
- This card has a low joining fee of Rs. 1,000.
Cons
- Even though this card has some travel benefits, there isn’t any international or domestic lounge access provided with this card.
FAQs
What is the validity of American Express Membership Rewards Points?
The American Express Membership Rewards Points are valid for lifetime, i.e, they never expire.
Do I get any complimentary domestic/international airport lounge access with this card?
No, the Amex Gold card does not offer any complimentary access to airport lounges.
What is a Charge credit card?
American Express offers 2 Charge cards in India- Gold and Platinum. The unique feature of these cards is that they don’t come with any pre-set credit limit (it is flexible according to your usage pattern).
Is this credit card available all over India?
American Express currently issues credit cards only to the residents of residents of Mumbai, Delhi/NCR, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Coimbatore, Indore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Bhopal, Bhubaneshwar, Ernakulam, Vijaywada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack & Vizag
Does this card support contactless payments?
Yes, for transactions up to Rs. 5,000 the card supports contactless payments.