American Express Gold Card

Joining fee

₹1,000 + GST

Annual fee

₹4,500 + GST₹4,500 plus applicable taxes (Second Year onwards)

Add-on card fee

Up to two Supplementary Cards at no extra cost and ₹1,500 for each Supplementary Card thereon

Welcome benefit

Welcome Gift of 4,000 Bonus Membership Rewards® Points.

Reward rate

1 Membership Rewards Point per ₹50 · everyday spendsEarn 1 Membership Rewards Point for every ₹50 spent including utilities spend

Fuel earning

Effective 12 June 2025, you will not earn Membership Rewards ® point on Fuel payments

Insurance spend earning

You will not earn any Membership reward points on Insurance and Cash Withdrawals.

Utilities earning

Earn 1 Membership Rewards Point for every ₹50 spent on utility.

Reward exclusions

Effective 12 June 2025, Cardmembers will not earn Membership Rewards ® point on Fuel payments.

Reward caps

Utility (electricity, water and gas bills) payments capped at 10,000 Membership Rewards ® points in a calendar month.

Catalogue redemption

Redeem your Points from the 18 and 24 Karat Gold Collection.

Voucher and product redemption

24,000 MR points: Taj voucher worth ₹14,000, Shoppers Stop voucher worth ₹10,000, Tata Cliq voucher worth ₹9,000. For 18,000 MR points: Taj voucher worth ₹9,000, Shoppers Stop voucher worth ₹7,000, Tata Cliq voucher worth ₹7,000.

Dining programme

Up to 20% off every time you dine at select restaurant partners

Milestone benefits

Earn 1,000 bonus points on 6 transactions of ₹1,000 each every calendar month.

Minimum spend rules

Welcome Gift available only in the 1st year on payment of the annual fee and on spending ₹10,000 within 90 days of Cardmembership

Fuel surcharge waiver

Fuel Convenience Fee Waiver at HPCL: 0% for HPCL transaction less than ₹5,000.

Surcharge on railway tickets

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

Lost card liability

Zero lost Card liability

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

3.5% of the cash advance amount (min. ₹250)

Cash withdrawal limit

Cash withdrawal overseas: US $129 every 14 days.

Interest on unpaid balance

There are no Interest Charges applicable for Charge Card (s)

Late payment fee

5% on the outstanding balance subject to a minimum of ₹300

Payment return or dishonour fee

₹250 per returned instrument for Consumer Cards.

Statement or duplicate statement fee

₹100 per statement for statements older than 3 months.

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 of all other Oil Marketing Companies (except HPCL, BPCL and IOCL)

GST note

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

Address the applicant must have

Current residential address in India.

Bank account the applicant must hold

Indian or multinational bank’s savings or current account in India.

Credit history the applicant must have

Good credit history and no payment defaults.

Income requirement

Personal Annual Income of ₹6 Lakhs and above.

Income, salaried

₹6 Lakhs and above (Personal Annual Income)

Minimum age

Over 18 years of age.

Residency

Resident Indian as defined under the Income Tax Act of India