American Express Gold Card
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 1 MR Point per ₹50 (1 Membership Rewards Point per ₹50 on regular retail transactions)
Overview
American Express Gold Card by American Express provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 MR Point per ₹50 (1 Membership Rewards Point per ₹50 on regular retail transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Accelerated Rewards: 1,000 bonus MR points every calendar month on completing 6 transactions of ₹1,000 or more (12,000 bonus MR points/year). 5X on Reward Multiplier. Never expiring points.
- • Excluded Categories: Fuel, Insurance, Cash advance
Welcome Benefit
4,000 bonus Membership Rewards points upon payment of joining fee and spending ₹10,000 within first 90 days of card setup; Qualification Criteria: Payment of joining fee and ₹10,000 spend within 90 days; Fulfillment Timeline: 30 days post qualification
Milestone Benefit
Spend ₹6,000 (Monthly): 1,000 bonus Membership Rewards points every month on doing 6 transactions of ₹1,000+; Spend ₹2.5 Lakhs (Annual): 100% annual renewal fee waiver of ₹4,500 + GST; Annual Fee Waiver: 50% renewal fee waiver on spending ₹1,50,000; 100% full fee waiver on spending ₹2,50,000 or more in preceding card year
Redemption
- • 18 Karat & 24 Karat Gold Collection: 24,000 MR points = ₹10,000 Taj voucher
- • Transfer 1:2 to Marriott Bonvoy or 1:1 to airline partners
- • Instant statement cash credit
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per month (0% at HPCL / BPCL / IOCL))
- American Express Dining Advantage: Up to 20% discount on dining across selected partner restaurants in top metro cities. (Dining discounts across fine dining restaurants) [Partners: Amex Dining]
Things to Know Before you apply
American Express Gold Card Eligibility Criteria
- Age: 21–65 years
- Gross Annual Personal Income ₹6,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹4,500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.5% (min ₹250) |
Fee waiver: 50% renewal fee waiver on spending ₹1,50,000; 100% full fee waiver on spending ₹2,50,000 or more in preceding card year
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
American Express Gold Card issued by American Express is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 MR Point per ₹50 (1 Membership Rewards Point per ₹50 on regular retail transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹4500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 4,000 bonus Membership Rewards points upon payment of joining fee and spending ₹10,000 within first 90 days of card setup
- • Qualification Criteria: Payment of joining fee and ₹10,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualification
- • Welcome e-gift voucher worth ₹5,000 across top luxury brands (Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual joining fee within 30 days
- • Fulfillment Timeline: Sent via SMS/Email within 15 days of fee realization
- • Complimentary Annual Memberships (Swiggy One & Times Prime) upon spending ₹75,000 within 90 days
- • Qualification Criteria: Spend ₹75,000 within 90 days of card setup
- • Fulfillment Timeline: Issued via SMS/Email within 30 days post spend milestone
- • Base Rewards: 1 MR Point per ₹50 (1 Membership Rewards Point per ₹50 on regular retail transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Accelerated Rewards: 1,000 bonus MR points every calendar month on completing 6 transactions of ₹1,000 or more (12,000 bonus MR points/year). 5X on Reward Multiplier. Never expiring points.
- • Excluded Categories: Fuel, Insurance, Cash advance
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Accelerated Rewards: 5X Reward Points (10 RPs per ₹100) on Dining, Departmental stores and Grocery spends
- • Excluded Categories: Fuel, Wallet loads, Property tax and Govt payments
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Accelerated Rewards: Up to 5X Reward Points via SmartBuy & 2X rewards on weekend dining
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 1 MR Point per ₹50 (1 Membership Rewards Point per ₹50 on regular retail transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹4500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹4999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions