Applications temporarily paused
The issuing bank's official page indicates new applications for this card are currently paused.
Charge card
This is a charge card, not a revolving-credit card: balance due in full each month, no pre-set spending limit.
American Express Gold Card
American Express
A lower-fee entry into Amex's charge-card line — no pre-set limit, but no lounge access either.
₹1,000
Joining fee
₹4,500
Annual fee
No spend-based waiver stated on the official page.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹90,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 760+
Estimated — not officially confirmed by the bank.
Salaried or self-employed (aggregator-sourced, Paisabazaar); income Rs 6 lakh+ p.a. personal income (officially stated).
Card issuance limited to select cities (official): Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneswar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nashik, Trivandrum, Mysuru, Cuttack, Vizag.
Lounge access
0 domestic / 0 international / 0 railway visits per year
Key features
- 1,000 bonus points for six ₹1,000+ transactions/month
- 5X points via Reward Multiplier
- fuel no longer earns points as of 12 June 2025
Reward details
1 Membership Rewards Point per Rs 50 spent
- 6 transactions of Rs 1,000+ each in a calendar month: 1,000 bonus points
Category caps
- Utility bills: 10,000 points/month
Redemption
Gold Collection catalogue redemption at 18,000 or 24,000-point tiers.
Excluded from rewards: fuel (effective 12 June 2025), insurance, cash transactions
- 'Reward Multiplier' fee-based add-on offers up to 5X points on enrolled categories.
Real-world feedback
Not separately found for the Gold Card specifically; general Amex India sentiment centers on strong hotel/dining benefits vs. low reward rate and high forex markup.
Sources
- Official — fees, eligibility, rewards, lounge
- Aggregator — employment eligibility, forex, CIBIL commentary