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American Express
American Express Gold Card
American Express is temporarily pausing new card applications in India while updating its technology platforms. Existing cardholders can still review their benefits.
- Joining fee incl. GST
- ₹1,180
- Renewal fee incl. GST
- ₹5,310
- Conditional welcome value
- Up to ₹1,000
- Forex markup
- 3.5%
- Interest p.a.
- —
- Min income (salaried)
- ₹6,00,000/yr
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Pay joining fee and spend Rs 10,000 within first 90 days (first year only)
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Reward Multiplier partner caps and insurance contract not separately verified. Transaction counts require confirmation.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Utilities & bills 10,000 MR points per calendar month on utilities; ₹5 lakh eligible spend at one point per ₹50. Comparison value ₹0.25/point. | 0.5% | ₹5,00,000 spend / month |
| Other eligible purchases | 0.5% | — |
Excluded from ordinary earning: Fuel, Insurance. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹72,000 | 1,000 bonus Membership Rewards points each calendar month on 6 transactions of Rs 1,000 or more (approx Rs 250 value at Rs 0.25/point) | ₹3,000 |
Key benefits
- One MR point per ₹50 on eligible purchases; fuel, insurance and cash excluded. Utility earning has a 10,000-point monthly cap.
- Up to 5X bonus points via Reward Multiplier on select brands (e.g. Flipkart, Apple) — programme ends 30 September 2026
- Membership Rewards points never expire
- Dining offers and select hotel stay discounts
- 24x7 card assistance and emergency support
What we like
- +Monthly 1,000-point bonus requires six separate qualifying ₹1,000 transactions
- +Membership Rewards points never expire and transfer to airline/hotel partners
- +No pre-set spending limit (charge card)
What to watch
- −Low base earn of only ~0.5% value-back outside milestones
- −Fuel rewards discontinued effective 12 June 2025
- −Limited merchant acceptance in India versus Visa/Mastercard
- −3.5% forex markup on international spends
Compare with similar cards
- Top reward
- 1.88%
- Annual fee
- ₹66,000
- Welcome bonus
- ₹60,000 value
American Express Platinum Travel Credit Card
American Express
Best for travel
- Top reward
- 0.5%
- Annual fee
- ₹5,000
- Welcome bonus
- ₹2,500 value
- Top reward
- 0.5%
- Annual fee
- ₹4,500
- Welcome bonus
- ₹1,000 value
- Top reward
- 5%
- Annual fee
- ₹495
- Welcome bonus
- ₹500 value
- Top reward
- 3.2%
- Annual fee
- ₹3,000
- Welcome bonus
- ₹9,000 value
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- Top reward
- 3.75%
- Annual fee
- ₹2,500
- Welcome bonus
- ₹2,500 value
Partner link — we may earn a commission. Disclosure
- Top reward
- 2.5%
- Annual fee
- ₹1,499
Partner link — we may earn a commission. Disclosure
- Top reward
- 10%
- Annual fee
- ₹500
- Welcome bonus
- ₹350 value
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