American Express Gold Card

Name: American Express Gold Card
Brand: American Express

American Express • Simple Membership Rewards earning with a monthly transaction bonus

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This is a charge card with no pre set spending limit, decided by American Express from your profile and usage. It earns a base rate on most spends and adds a monthly bonus for repeated small transactions. It suits users who value points and Amex service more than lounge access.

Annual Fee (+ 18% GST)₹4,500 (₹5,310 incl. GST)

Fee WaiverNo fee waiver

Joining PerkWelcome gift of 4,000 bonus Membership Rewards points on payment of the fee and spends of ₹10,000 within 90 days

Primary Reward1 Membership Rewards point for every ₹50 spent, with 1,000 bonus points for 6 transactions of ₹1,000 each in a calendar month

Airport Lounge AccessNo complimentary lounge access; any lounge use is on a pay per use basis where the lounge allows it

Forex Markup3.5% + 18% GST

RuPay UPINo

Best ForUsers who want Membership Rewards points on everyday and utility spends and can use Amex offers

What We Like

Base points also apply on utility spends, subject to the monthly cap stated by Amex
Monthly bonus for six transactions of ₹1,000 each
No pre set spending limit gives flexibility for large purchases

Watch Out

Renewal fee is ₹4,500 plus GST with no spend based waiver stated
No complimentary airport lounge access
No points on fuel payments from 12 June 2025 as stated on the official page

MITC & Hidden Charges

Annual fee ₹4,500 plus GST; total with 18% GST is ₹5,310. First year fee is ₹1,000 plus GST as stated on the official page. Other charges as per the issuer's MITC.