All cards / American Express
American Express Gold Card
Amex's classic Gold charge 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 rather than chase a high base earn rate.
Annual fee
₹4,500
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
Amex
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, groceries. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Periodic dining discounts and privileges through Amex Card Membership offers at partner restaurants
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate · Amex Card Membership benefits including partner offers across dining and retail
- 🛒 Groceries
2% reward rate
- 🏨 Hotel
Membership Rewards points never expire and transfer to airline and hotel loyalty partners at no cost
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No fee to redeem Membership Rewards points for airline/hotel partner transfers; points never expire
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: Amex does not offer a cash advance/cash withdrawal facility on this card
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
- Membership Rewards points never expire and transfer to airline and hotel loyalty partners at no cost
Pros
- + Membership Rewards points transferable to airline/hotel partners and never expire
- + Meaningful spend-milestone bonuses
- + Strong Amex customer service
Cons
- − Limited merchant acceptance versus Visa/Mastercard/RuPay
- − High fee for a flat 1% base rate
- − No cash advance facility on Amex India cards
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