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American Express
American Express Gold Card
Amex
American Express Gold Card
Amex's legacy charge-card-turned-credit-card, a step below Platinum Travel, built around Membership Rewards points and milestone-driven value rather than flat cashback — best suited to Amex loyalists who redeem points for travel transfers.
Rates and fees last verified 15 July 2026.
Annual fee
₹4,950
Joining fee
₹4,950
Reward type
points
Base reward rate
1%
Card network
Amex
Card tier
Mid
Reward rates by category
- Dining2%
- Groceries2%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Bonus Membership Rewards points on meeting a joining-year spend milestone
- Additional bonus points on crossing annual spend milestones
- Amex Card Membership benefits including partner offers across dining and retail
Pros
- + Membership Rewards points transferable to airline/hotel partners
- + Meaningful spend-milestone bonuses
- + Strong Amex customer service
Cons
- − Limited merchant acceptance versus Visa/Mastercard/RuPay
- − High fee for a flat 1% base rate
Applying takes you to American Express's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.