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Voucher of ₹ 750 on your Credit Card issuance
The Everyday Spend American Express® Gold Credit Card
The Everyday Spend American Express® Gold Credit Card
Fees
Pros/Cons
Joining Perk
Eligibility
USP
The Everyday Spend American Express® Gold Credit Card

The Everyday Spend American Express® Gold Credit Card

Spend ₹10,000 in the first 90 days of card issuance and get ₹500 cashback as a welcome gift 3
₹495
Joining Fee

Available in 20 cities
Min Income - 33.33K/month
Fees
Pros/Cons
Joining Perk
Eligibility

Fees

₹495
Joining Fee
₹495
Annual Fee
Annual Fee will be waived off if you spend more than ₹39,999 in a Cardmembership year

Other Fee Benefits

  • Spend ₹10,000 in the first 90 days of card issuance and get ₹500 cashback as a welcome gift 3
  • Earn 1 Membership Rewards Points® for every ₹50 spent across all categories except utilities, cash advances, insurance and fuel transactions 1
  • Accelerate your rewards 10 times when you use your card at Flipkart or Ola. Capped at 500 MR points per month for both Flipkart and Ola 2
  • Spend ₹39,999 in a membership year and get the annual fee waived off for the subsequent year 3
  • Convert your purchases into EMIs at the point of sale and enjoy a competitive interest rate of 12% per annum. Also, avail zero foreclosure charges benefit

Chqbook Review

The American Express® Everyday Spends credit card is great for shopping and earning a ton of rewards every year. This is the first such credit card from American Express® - with low joining fees which also gets waived off if you spend 40K per year, this credit card is a no brainer. You stand to earn as much as ₹9000 per year through vouchers on Ola cabs, groceries and on dining. Go for it if you want your first American Express® credit card and get used to a world class service experience and having a smart looking credit card in your wallet.

  PROS

  • Save money on flights, hotel bookings, car rentals, dining and more under the American Express benefits
  • Earn 10 MR points on the spend of ₹50 on Flipkart and Ola
  • Earn 5 Membership Rewards Points® on the spend of ₹50 on Movies (PVR, BMS), Groceries (BigBazaar, D-Mart, More, Reliance Fresh), Cab (Uber)
  • Manage your credit card on-the-go with the latest mobile app.
  • Redeem your rewards points against 500 fabulous and hand-picked redemption options that include exciting gift vouchers and merchandise
  • The 24X7 card related assistance is always there to listen to your queries and resolve them at the earliest

  CONS

  • Rewards can only be redeemed at Participating Amex outlets
  • Contactless Card payments are restricted to ₹2,000 only at one time
  • You do get 5 Membership Rewards Points® on spends of ₹50 at Shopclues, Snapdeal, Jabong, Amazon. However, the total points under e-commerce sites are capped at 250 points per month
  • The rewards points are capped at 500 MR points per month on Ola and Flipkart

Joining Perks

  • Avail a cashback of ₹500 on spending ₹10,000 in first 90 days

Terms

  • 1.
    You will not 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. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards.
  • 2.
    Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Ola. 10X Membership Rewards Points are not applicable on Ola Money spends. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please click here.
  • 3.
    Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.
  • 4.
    For please Terms and Conditions applicable on the Membership Rewards Program, please refer to catalogue.membershiprewards.co.in/aboutTerms.mtw

Eligibility

  • 18 years and above
  • For salaried person, you must have a Net Monthly salary of at least ₹34000 per month to qualify
  • For self-employed, you must have a Net Monthly income of at least ₹50000 per month to qualify
  • You must have an existing credit card with another bank in India
  • Have a good credit history and no payment defaults
  • Should have a permanent India Residential Address
  • American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat & Vadodara subject to conditions

Documents Required

  • Last 6 Months bank statements/ Last 2 years IT return/ Last 3 months salary slip
  • PAN Card and Aadhar Card
  • Address Proof (Any one) – Voter Card, Aadhar Card, Driving License, Passport Copy

Rewards

  • You can earn 1 Membership Rewards Points® for spending ₹50 across all categories except utilities, cash advances, insurance and fuel transactions
  • You will get 10 Membership Rewards Points® for every spent of ₹50 on Flipkart and Ola
  • You will get 5 Membership Rewards Points® for every spent of ₹50 on Movies (PVR, BMS), Groceries (BigBazaar, D-Mart, More, Reliance Fresh), Cab (Uber) and E-Comm (Shopclues, Snapdeal, Jabong, Amazon)

Terms

  • 1.
    You will not 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. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards.
  • 2.
    Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Ola. 10X Membership Rewards Points are not applicable on Ola Money spends. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please click here.
  • 3.
    Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.
  • 4.
    For please Terms and Conditions applicable on the Membership Rewards Program, please refer to catalogue.membershiprewards.co.in/aboutTerms.mtw
513 Reviews Sort
Newest

Costy

13 years ago | Ashok Oraon
Handling Everyday Spend American Express Gold Credit Card is not easy due to its cost factor. In comparison to other card providers this card is bit costly.

Happy with this card

13 years ago | Surinder Pal
Its very resonable and affordable easily people are afford this Everyday Spend American Express Gold Credit Card charge I am very happy to be I have this Everyday Spend American Express Gold Credit Card.

Good card

12 years ago | Swati Moon
I am using Everyday Spend American Express Gold Credit Card and everything is good with this card. It offers you great deals and the opportunity to earn more and more earn points. I dont have any issues with this card till now.

customer service is very good

12 years ago | Manoj Kumar Lohar
I am using this card for more than a year now. Customer service is good. They are offering 1000 bonus reward points every month for more than 4 transactions of Rs 1000 each. I

Good card

12 years ago | Dalpatbhai Becharbhai Jogadiya
Earn 1 Membership Rewards Point on every 4 Rs. 50 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions.

Bad card

12 years ago | Trisha Sarkar
Using this card and availing offers and deals are very good. The bad thing about this card is they card extra amounts on purchases, and don't entertain your waive off requests.

Not recommended to others

12 years ago | Liladhar Bhagawan Bonde
Don't use this card for cash dispense. Because if you do it then you will have to replay it with a very high interest rate is very high. Wont recommend this card to anyone.

Not use for me

11 years ago | Niang Lunching Naulak
I have not used this card much. The joining fee is very high. I am not satisfied with the credit limit provided to me.

Average card

11 years ago | Suresh V
I have a Everyday Spend American Express Gold Credit Card, and the card is quite average. I haven't received the quoted credit limit at the time of applying the card which was 1 lakh,instead of that I have received the limit of only 50000, which is quite disappointing.

This card having a wide range of offer

11 years ago | RINA KUMARI
American Express offers a wide range of credit cards with a host of privileges, offers, discounts on lifestyle, shopping, dining, movies, etc.

Reason: