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American Express

American Express Corporate Gold Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Business · Applications paused · Earns points

American Express has paused new applications

“We are temporarily pausing the acceptance of new Corporate/Legal Entity applications in India as we make planned updates to our technology platforms for domestic card issuing operations.”

American Express’s own page

First-year fee

₹0

Nil

Annual fee

₹3,100 a year.

₹3,100. The annual fee may vary from company to company and is communicated to the Corporate at the time of signing up for the Corporate Card Programme.

What it gives back

1 Membership Rewards point per ₹50 spent on business expenses except fuel; 1 point per ₹100 on utility, telecommunication, wholesale and insurance spends.

Read from 5 American Express documents, last checked 19 Oct 2026.

View on American Express
How it compares

Compared with the cards we have read

₹3,100 annual fee: of the 273 other open cards whose annual fee we have read, 230 state a lower one and 43 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

  • Annual fee

    ₹3,100 a year.₹3,100. The annual fee may vary from company to company and is communicated to the Corporate at the time of signing up for the Corporate Card Programme.

  • Joining fee

    ₹0Nil

  • Add-on card fee

    N/A

Rewards

  • Reward rate

    1 Membership Rewards point per ₹50 spent on business expenses except fuel; 1 point per ₹100 on utility, telecommunication, wholesale and insurance spends.

  • Fuel earning

    Earn 1 point on every ₹50 spent on all your business expenses except for fuel.

  • Insurance spend earning

    Insurance spends earn 1 point per ₹100 spent (capped to a maximum of 1000 points per month)

  • Utilities earning

    For Utility, Telecommunication, Wholesale Spends and insurance you earn 1 point per ₹100 spent.

  • Reward exclusions

    Fuel

  • Reward caps

    Maximum 1,000 points per month on Utility, Telecommunication, Wholesale Spends and insurance

  • Flight redemption

    Points can be redeemed for booking travel with points.

  • Points transfer redemptionAirline and hotel partners points may move to

    Points transfer to Air/Hotel loyalty programs.

  • Redeeming points for travel

    Booking travel with points

  • Statement-credit redemption

    Points can be redeemed for statement credit.

  • Voucher and product redemption

    Points can be redeemed for gift cards.

Card benefits

  • Domestic lounge access

    Access at discounted rates to over 25 domestic airport lounges across India.

  • International lounge access

    Two complimentary lounge visits annually.

  • Priority Pass

    Priority Pass™ access to 1,200+ airport VIP lounges worldwide.

Also included

  • Surcharge on railway tickets

    1.8% per transaction subject to a minimum of ₹10 if booked through internet (IRCTC)

  • Lost card liability

    Your liability will be ‘nil’ if you report within 3 working days

  • Travel insurance

    Cover up to ₹75,00,000; 24x7 access to Global Assist Hotline

Charges

  • Forex markup

    3.5% on foreign currency transactions.

  • Cash advance fee

    3.5% of cash withdrawal amount.

  • Interest on unpaid balance

    No overdue interest charges

  • Interest-free period

    Up to 51 days of interest-free credit period

  • Late payment fee

    3.5% of the outstanding balance subject to a minimum of ₹100

  • Payment return or dishonour fee

    ₹150 per returned instrument for Corporate Cards.

  • Statement or duplicate statement fee

    ₹100 per statement for statements older than 3 months.

  • Card replacement fee

    No extra cost; replacement within 48 hours

  • Fuel transaction fee

    1% fee per transaction is applicable for all HPCL transactions on and above ₹5,000, 1% of the transaction value subject to a minimum of ₹10 + applicable taxes, will be charged as convenience fee at fuel stations operated by the Public Sector Oil Marketing Companies BPCL and IOCL

  • GST note

    Any Charges mentioned anywhere in this MITC are exclusive of the GST or any other taxes as applicable

In the terms, not the brochure (1)

  • What must be paid with the card for the cover to apply

    Complimentary Personal Accident Cover and Licensed Transport Accident Cover apply to return trips paid with your Corporate Card.

How we know - 5 documents from American Express, checked 19 Oct 2026

5 documents from American Express, checked 19 Oct 2026.

  • American Express Corporate Card MITC English6 Oct 2026Proof
  • Fees and charges pageProof
  • Card pageProof
  • MITC and Key Fact StatementProof
  • Card terms and conditionsProof

On these lists

View on American Express

₹3,100 a year

View on American Express