/Select/CreditCards/c9b9f21ab80a4f20b84ff89a33904069.png)
American Express Gold Credit Card
★★★★★(4)Imagine being able to use your credit card without worrying about credit limits. With the American Express Gold Credit Card, you can do just that and more! For a joining fee of ₹1,000 and an annual fee of ₹4,500, you will gain access to a world of travel rewards and luxurious perks. You get welcomed with 4,000 Membership Reward Points, earn 5x reward points on every purchase, and receive vouchers from brands such as Taj, Tanishq, Flipkart, Amazon, and more. In addition, you will also have access to 24x7 concierge services, enjoy 20% off at restaurants, and receive a reward rate between 1% and 6% on every purchase. Keep reading to learn more about the exclusive benefits that come with this card. 👇
/Select/Issuers/3435351e157a4dd28f8d5f76253faac5.jpg){kind=small}
Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹1,000Annual Fee
₹4,500Annual Percentage Rate
42%Add-on Card Fee
₹1,500Minimum Repayment Amount
5%Cash Withdrawal Fee
₹0Cash Advance Limit
NACard Replacement Fee
NilForeign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.50Late Payment Charges
30%of Minimum Amount Due subject to minimum of ₹ 500 and maximum of ₹ 1,000Pros
Aspects that make this credit card amazing.
- ⮚No pre decided credit limit.
- ⮚It offers reward points on fuel and utility.
- ⮚5x Reward Points on every purchase through Reward Multiplier.
- ⮚24/7 card related assistance.
Cons
Aspects this credit card lacks.
- ⮚No access to airport and railway lounges.
- ⮚No concierge services other than card assistance.
- ⮚Convenience fee of ₹99 is levied on the EMI conversions.
- ⮚The card is available in selected cities only.
American Express Gold Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
If you are a frequent traveller or someone who spends a lot on dining and other eligible categories, then the American Express Gold Credit Card could be an ideal option for you. This credit card comes packed with several benefits that cater to your lifestyle needs. You can earn decent rewards, get exclusive benefits, and enjoy 24/7 customer support.
One of the most unique features of this card is that it offers no pre-set credit limit, so you can spend freely without worrying about hitting a limit. Additionally, the card lets you earn a reward rate as high as 6%, which means you can accumulate reward points quickly. You can even earn reward points on your fuel and utility expenses which are often excluded from other reward programs.
However, it's worth noting that the American Express Gold Credit Card comes with a high annual fee and limited acceptance. So, while it may be a good fit for some users, it may not be suitable for everyone. Cards similar to American Express Gold Credit Card: 1. HDFC Regalia Gold Credit Card 2. SBI Elite Credit Card 3. HDFC Diners Club Metal Edition Credit Card
Overview
| Best for | Lifestyle & Rewards |
|---|---|
| Joining Fee | ₹1,000 + Applicable Taxes |
| Annual Fee | ₹4,500 + Applicable Taxes |
| Welcome Bonus | 4,000 Bonus Points |
| Card Network | American Express |
American Express Gold Credit Card Maximum Cashback
| 18 Karat Gold Collection / 18,000 points | 24 Karat Gold Collection / 24,000 points |
|---|---|
| Taj voucher worth ₹9,000 | Taj voucher worth ₹14,000 |
| Shoppers Stop voucher worth ₹8,000 | Shoppers Stop voucher worth ₹11,000 |
| Myntra voucher worth ₹8,000 | Vistara voucher worth ₹11,000 |
| Big Basket voucher worth ₹8,000 | Tanishq voucher worth ₹10,000 |
| Amazon voucher worth ₹7,000 | Amazon voucher worth ₹9,000 |
| Croma voucher worth ₹7,000 | Croma voucher worth ₹9,000 |
| Flipkart voucher worth ₹7,000 | Flipkart voucher worth ₹9,000 |
Who should get an American Express Gold Credit Card?
The American Express Gold Credit Card is best suited for individuals who usually spend a lot on travel, daily utilities, shopping, dining, etc., and also wish to earn rewards on all the spending done across these categories in the form of reward points. Users who wish to have all these premium benefits by paying a fee of ₹4,500 may find this card best suited for themselves on a day-to-day basis.
How to Apply for an American Express Gold Credit Card?
1. Apply for an American Express Gold Credit Card Online
- American Express Gold Credit Cards can be applied by calling 1-800-419-2122 and through an online application process as well. To apply online, follow the below-mentioned steps:
- Visit the American Express Website.
- The "Gold Credit Card" is listed under the "Card” section.
- Click on "Apply Now" and start the application process.
- Fill in all the required details and upload all the necessary documents to complete the process.
American Express Gold Credit Card Eligibility
- Age: 18 years and above
- Income Required: ₹6 lakh per annum
- Have a good credit history and no payment defaults
Documents Required
- Proof of identity: Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.