RewardsMidAmerican Express

American Express Gold Card

Amex charge card for everyday Membership Rewards earning

Annual fee₹4,500

Rewards0.50%Assumes Issuer's own Gold Card benefits calculator assumes ₹0.25 per Membership Rewards point as baseline; issuer also states value up to ₹0.56 per point under the Gold Collection redemption path (18,000/24,000+ points).

Forex markup3.5%3.50% currency conversion factor on foreign-currency transactions

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Welcome benefits

Welcome gift of 4,000 bonus Membership Rewards Points

Trigger: Spend ₹10,000 within 90 days

Rewards

Base earn rate

Earn 1 Membership Rewards Point for every ₹50 spent, including on utilities. Points are not earned on insurance or cash transactions, and, with effect from 12 June 2025, not on fuel.

Membership Rewards

Excludes: Fuel (From 12 June 2025), Insurance, Cash Transactions

Fees & charges

Joining fee: First-year membership fee ₹1,000 plus applicable taxes
Annual / renewal fee: Membership fee ₹1,000 plus applicable taxes in the first year, ₹4,500 plus applicable taxes from the second year onwards
Add-on card fee: Up to two supplementary cards at no extra cost; ₹1,500 for each supplementary card thereafter
Interest rate: Not applicable. This is a charge card: the balance is payable in full each statement period rather than revolved, and American Express lists no interest rate for it in the Schedule of Fees and Charges.
Cash advance fee: 3.5% of the cash advance amount, subject to a minimum of ₹250. Cash withdrawal in India is currently suspended; the facility is available overseas only.
Overlimit fee: Overlimit transactions have been disabled since 1 October 2022. Debits of fees and charges raised by the issuer can still take an account over its assigned limit.
Payment dishonour: ₹250 per returned instrument
Forex markup: 3.50% currency conversion factor on foreign-currency transactions
Duplicate statement: ₹100

Late payment

Outstanding amount	Late fee
5% of outstanding (min ₹300)	5% of outstanding_balance, min ₹300

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Eligibility

Income (salaried): ₹6L/year
Income (self-employed): ₹6L/year
Age: 18+ years

NRI eligible: No

Features

✓ Contactless✓ Chip & PIN✓ International usage✓ Emergency replacement

Additional features

Charge card with no pre-set spending limit
Membership Rewards Points on utility payments, subject to a monthly cap
Monthly bonus Points on qualifying transaction counts
18 and 24 Karat Gold Collection redemption catalogue
Dining discounts at partner restaurants
Convenience fee waiver on HPCL fuel purchases
Emergency card replacement and zero lost-card liability

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Rewards / year

₹3,000

≈ 0.50% effective

Annual fee

₹4,500

no published waiver

Net steady-state return

−₹1,500/year

Roughly breaks even at this spend

At ₹50,000/month, rewards and fee land within ₹1,500 of each other.

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See cards that fit ₹75,000/month →

One-time joining fee (year 1 only): ₹1,000

One-time welcome benefit — Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 10,000 within 90 days of Cardmembership. Stated as 4,000 Bonus Membership Rewards Points.

Based on published rates as of 2026-08-07; assumes Issuer's own Gold Card benefits calculator assumes ₹0.25 per Membership Rewards point as baseline; issuer also states value up to ₹0.56 per point under the Gold Collection redemption path (18,000/24,000+ points).. Rewards estimates, not guarantees.