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American Express

American Express Gold Card

4.0

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
All other spends	0.5%	—	₹600

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹1,000

Annual fee₹4,500

Foreign currency markup3.5%

Finance charge (p.a.)—

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

1 Membership Rewards point per Rs 50 spent (approx 0.5% value-back at Rs 0.25/point; excludes insurance and cash transactions)
Up to 5X bonus points via Reward Multiplier on select brands (e.g. Flipkart, Apple)
Membership Rewards points never expire
Dining offers and select hotel stay discounts
Air accident insurance cover up to Rs 30 lakh
24x7 card assistance and emergency support

+Monthly milestone of 1,000 bonus points is easy to hit and boosts effective returns
+Membership Rewards points never expire and transfer to airline/hotel partners
+No pre-set spending limit (charge card)