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American Express™ Gold Card
American Express™ Gold Card
Fees
Pros/Cons
Joining Perk
More Details
USP
Get up to 20% off* every time you dine at select restaurants
American Express™ Gold Card

American Express™ Gold Card

Use the card 3 times in First 60 days to get 4000 Bonus MR Points*
₹1,000
Joining Fee

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Dining
Fees
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Fees

₹1,000
Joining Fee
₹4,500
Annual Fee
Earn 5,000 Membership Rewards Points® upon First Year Card Renewal applicable on payment of annual membership fee. Points to be credited within 90 days of Card renewal

Other Fee Benefits

  • Use the card 3 times in First 60 days to get 4000 Bonus MR Points*
  • Earn 1000 Membership Rewards Points® every month on using your Card 6 times for transactions worth ₹1000 or above, in a Calendar month
  • 5,000 Membership Rewards Points® upon 1st year Card renewal applicable on payment of annual membership fee. Points to be credited within 90 days of Card renewal

Chqbook Review

This is one of our favourite Credit Cards – not only is it raining rewards, you also get the fabulous 18 karat and 24 karat Rewards redemption program. Statement credit is great too and let's you get instant gratification for the points you earn across almost all transactions. Lastly, the American Express® Gold Card just looks amazingly good and has great flaunt value – go for it!

thumb_up   PROS

  • Points don't expire – The Points you earn on the American Express Membership Rewards® Programme are yours forever.
  • Your Membership Rewards Points® are worth money – redeem it for Statement Credit or from over 100's of different items at the Amex redemption store online
  • Earn 1,000 Membership Rewards Points® every month on using your Card 6 times for transactions worth INR 1,000 or above, in a Calendar month

thumb_down   CONS

  • This is a charge card – which means you must pay the bill as soon as the billing cycle is over, which could be a cause for concern for some
  • In case of big purchases, its important to call Amex earlier, so that your charge will get authorized

Joining Perks

  • 4,000 Bonus Membership Rewards® Points, to be awarded on using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee
  • Earn 1,000 Membership Rewards Points® every month on using your Card 6 times for transactions worth INR 1,000 or above, in a Calendar month
  • Earn 5,000 Membership Rewards Points® upon First Year Card Renewal applicable on payment of annual membership fee. Points to be credited within 90 days of Card renewal

Terms

  • 1.
    With effect from 20th October 2014, you will no longer earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.
  • 2.
    * Welcome Gift is available on using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee

Eligibility

  • 21 years and above
  • Annual Income above 6 Lakhs/year – for both Salaried and Self–Employed
  • Should have a permanent India Residential Address
  • You should not have any EMI bounces and have outstanding credit

Documents Required

  • Post applying for a credit card, you application will be approved instantly. However, the Bank will verify income and KYC documents. The bank executive will contact you and pick up the documents required below. The card will be issued once the documents provided are verified
  • Last 6 Months bank statements
  • Pan Card and Aadhar Card
  • Address Proof (Any one) – Voter Card, Aadhar Card, Driving License, Passport Copy

Rewards

  • Earn 1000 Bonus Membership Rewards® Points for simply using your Card 6 times on transactions above Rs 1,000 every month. Added up, that's potentially 12,000 Membership Rewards® Points every year
  • Earn 1 Membership Rewards Points® for every1 ₹50 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions
  • Redeem your Points from the fabulous 18 and 24 Karat Gold Collection

Terms

  • 1.
    With effect from 20th October 2014, you will no longer earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.
  • 2.
    * Welcome Gift is available on using the Card 3 times within the first 60 days of Cardmembership, upon payment of annual fee
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