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American Express Gold Charge Card Features & Benefits

Welcome Benefits

You get 4,000 Membership Rewards Points as a Welcome Benefit on spending Rs. 10,000 within 90 days with this credit card.

Milestone Benefits

You get 1,000 Membership Rewards Points every month on completing six transactions worth Rs. 1,000 each during each calendar month on your American Express Gold credit card.

Travel Benefits

• Get $100 credit to spend on resort activities, spas, and dining when you spend two consecutive nights at over 400 hotels, including Hilton and Hyatt.
• 15% off on the best available room rate/breakfast at The Leela (promo code AMEXSTAY to be used).
• Get a 25% discount on your stay at Pallazo Versace
• Up to 20% off on all Saffron Stays properties.
• Up to 15% off on booking at least two nights stay at Vista Rooms properties
• Get a 20% discount at Lodhi on select room categories and 25% off on Spa services.

Dining Benefits

• 20% discount on dining bills at select partner restaurants.
• Up to 25% off on order-ins from The Leela, The Oberoi Gurgaon, The Lodhi, Hilton, Accor, Roseate, and Qmin.
• Up to 50% discount for up to 10 guests at the Lodhi.

Fuel Surcharge

• There is no fuel surcharge on fuel transactions up to Rs. 5,000 at HPCL Petrol pumps (1% surcharge applicable thereafter).
• 1% fuel surcharge waiver for fuel transactions at BPCL and IOCL fuel stations (subject to a minimum surcharge of Rs. 10).
• 2.5% surcharge waiver at all other fuel stations (subject to a minimum surcharge of Rs. 10).

Zero Cost Liability Protection

• If the loss is reported to the bank within three working days, the liability of the cardholder would be zero. Otherwise, if the issue is noted after three days, the detriment of the cardholder would be limited to Rs. 1,000.

American Express Gold Charge Card Rewards

• 1 Reward Point on spending Rs. 50 using the card.
• You also earn 1 Membership Rewards Points every time you spend Rs. 50 on utilities and fuel, but the points are capped at 10,000 and 5,000 Points, respectively, for the two categories.
• Earn 5X Membership Rewards Points for every purchase through the Rewards Multiplier portal. Shop from popular brands such as Flipkart and Apple.

No reward points are earned on insurance premium payments and cash transactions.

Reward Redemption

You can redeem the Membership Reward Points-

• For INSTA purchases at offline stores, purchasing e-vouchers from Amex’s online shopping portal, and making credit card bill payments (under the Cash + Points scheme).
• Transfer to other air miles and hotel loyalty programs like British Airways Executive Club, Asia Miles, Club Vistara, Emirates, Skywards, Finnair Plus, InterMiles, Qatar Privilege Club, Etihad Guest, Singapore KrisFlyer, Virgin Points, Hilton Honors, Marriott Bonovoy.

18 & 24 Karat Gold Collection

Redeem your Membership Rewards point from the fabulous 18 & 24 Karat gold collection.

18 Karat Gold/18,000 Membership Rewards Points

Choose from the following rewards with 18,000 Membership Rewards points-

• Taj Voucher Worth Rs. 9,000
• Amazon Gift Card Worth Rs. 7,000
• Myntra Voucher Worth Rs.8,000
• Flipkart Voucher Worth Rs. 7,000
• Shoppers Stop Voucher Worth Rs. 8,000

24 Karat Gold/24,000 Membership Rewards Points

With 24,000 Membership Rewards points, you can select from the following-

• Tanishq Diamond Jewelry Voucher Rs. 10,000
• Vistara Voucher Worth Rs. 11,000
• Flipkart Voucher Worth Rs. 9,000
• Shoppers Stop Voucher Worth Rs. 11,000
• Taj Voucher Worth Rs. 14,000
• Amazon Gift Card Worth Rs. 9,000

American Express Gold Card Eligibility Criteria

Given below are the eligibility criteria for an American Express Gold Card-

• Should be above the age of 18,
• Should have an annual income of Rs. 6 Lakh or above,
• Should be a resident of India,
• Should have a current or savings account in India,
• Should have a decent credit score and no payment defaults,
• If self-employed, the company should have been trading for a period of no less than 12 months.

Please keep in mind that currently American Express Gold Card is available in the following cities only – Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneshwar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack & Vizag.

How to Apply for the American Express Gold Card?

If you want to apply for the American Express Gold Card, there are both online as well as offline methods. Keep your Pan Card handy while applying for the American Express Gold Card. If your application is accepted, the card will be delivered to you within 15 days, or Amex officials will get in touch with you within 90 days.

The offline application process for the Amex Gold card is straightforward. All you need to do is to provide a few documents like identity proof like an Aadhar card, address proof, PAN card, and income proof and submit your application. In case Amex requires any additional documents, they may contact you for the same.

American Express Customer Care

American Express offers a devoted customer care helpline for their Gold Card members. If you need any assistance regarding your Gold Card or even to report the lost or stolen card, you may contact the AmEx customer care support team at 1800 419 2122 (Toll-Free) or 0124 673 6600.

American Express Gold Card Review

Like most other American Express credit cards, you get a decent reward rate of 1 Membership Rewards Point per Rs. 50 spent using the card. The recent changes in the offers and discounts that come bundled with this card have made it a very attractive offering in the sub-premium segment, particularly for frequent flyers and for those who love dining out with friends and family, as it offers so many travel and dining benefits.

Share your views on the AmEx Gold Card in the comment section below. If you are an existing cardholder, then share your experience with the card with others.