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American Express Gold Credit Card
American ExpressAMEX

American Express Gold Credit Card

A rewarding card focused on everyday spending with exclusive Amex privileges.

Overview

Category
Rewards
Best Suited
Frequent Travelers, High-Spend Users, Premium Travel Benefits
Annual Fee
₹4500

Key Benefits

Welcome Bonus

4,000 bonus points on spending ₹10,000 within the first 90 days of card generation

Rewards

Rewards Structure

All Purchases

5x reward points

Fuel & Utilities

1 point per ₹50

Travel Benefits

Lounge Access

Domestic Airport Lounge

International Airport Lounge

Additional Benefits

Lifestyle Benefits

Entertainment

Dining

Health & Wellness

Pros

  • No pre-set credit limit

  • Reward points on fuel and utilities

  • 5x Reward Points on all purchases

  • 24/7 card related assistance

Cons

  • No airport or railway lounge access

  • Limited concierge services

  • Convenience fee of ₹99 on EMI conversions

  • Available in selected cities only

Ratings

Charges

3.5/5

Overall

4/5

Rewards

4/5

CustomerService

3.5/5

Fees & Charges

Apr

42%

Add On Card

₹1,500

Cash Withdrawal

₹0

Minimum Repayment

5%

Over Limit Penalty

2.50%

Foreign Transaction

3.50%

Fuel Transaction Surcharge

1%