American Express India Gold Card
American Express India
Annual / renewal fee
- First Year Fee: ₹1,000.
- Second Year onwards: ₹4,500.
Verifiedmitc14 Aug 2026, 12:10 AM ISTAmerican Express India
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at americanexpress.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at americanexpress.com — if a different card is shown first, use its card selector to pick this one.
Overview
Gold Card by American Express India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
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Annual / renewal fee
- First Year Fee: ₹1,000.
- Second Year onwards: ₹4,500.
Verifiedmitc14 Aug 2026, 12:10 AM ISTAmerican Express India
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
Redemption value
- ₹250 for every redemption of Air Miles (applicable for all Charge products except Platinum Card).
- ₹200 for reinstatement of Points for every monthly billing statement.
- Points will be forfeited for the particular billing cycle / monthly statement in which the payment is not received in full by the due date.
Verifiedkfs14 Aug 2026, 12:10 AM ISTAmerican Express India
Travel & lounge
Lounge access
Confirm on the official page
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- American Express Gold Card: Death due to Air Accident (when ticket is booked on American Express Card) - Covers death due to air accident, Primary Card Sum Insured INR 30,00,000.
- Insurance benefits provided by ICICI Lombard General Insurance Co. Ltd.
VerifiedGold Card product page14 Aug 2026, 12:10 AM ISTAmerican Express India
Eligibility
Eligibility
- Insurance cover not available for Supplementary Cardholders other than as stated.
- Policy activates on the day the Card application is approved by AEBC, subject to timely payment of annual Fee.
VerifiedGold Card product page14 Aug 2026, 12:10 AM ISTAmerican Express India
Charges & interest
Forex markup
Foreign Currency Transactions: Currency Conversion Factor Assessment - 3.50%.
Verifiedmitc14 Aug 2026, 12:10 AM ISTAmerican Express India
Charge
- Standard Add-on Card Fee: ₹1,500 (up to 2 Supplementary Cards free).
- Cash Advance Fee: 3.5% of the Cash Advance amount, minimum ₹250, each withdrawal.
- Duplicate Statement Fee: ₹100 per statement for paper statements older than 3 months.
- Cheque/ECS/NACH Return Fee: ₹250 per Returned Instrument.
- Record of Charge/Summary of Charge Retrieval Fee: ₹100 per Retrieval.
- Surcharge on Purchase of Railway Ticket: 1.8% of the transaction value or minimum of ₹10 + tax if booked on the internet (IRCTC).
- Membership Rewards Points for Redemption/Reinstatement: ₹250 for every redemption of Air Miles.
- ₹200 for reinstatement of Points for every monthly billing statement.
- Convenience Fee on Fuel Purchase: 0% for HPCL under ₹5,000.
- 1% for HPCL on and above ₹5,000.
- 1% (min ₹10 + taxes) at BPCL and IOCL.
- 2.5% (min ₹10 + taxes) at all other Oil Marketing Companies.
- FCY/Foreign Currency Transactions: Currency Conversion Factor Assessment - 3.50%.
- Delinquency Fee: 5% on unpaid balance, minimum monthly ₹300.
- (Updated 31 March 2026 / KFS as of 11 August 2025).
Verifiedmitc14 Aug 2026, 12:10 AM ISTAmerican Express India
Fuel surcharge waiver
- Convenience Fee on Fuel Purchase: 0% fee per HPCL transaction less than 50,000.
- 1% fee per transaction for all HPCL transactions on and above 5,000.
- 1% of the transaction value subject to a minimum of ₹10 + applicable taxes at Public Sector Oil Marketing Companies BPCL and IOCL.
- 2.5% of the transaction value subject to a minimum of ₹10 + applicable taxes at all other Oil Marketing Companies (except HPCL, BPCL and IOCL).
VerifiedGold Card product page14 Aug 2026, 12:10 AM ISTAmerican Express India
Interest-free period
- There are no Interest Charges applicable for Charge Card(s).
- Cardmembers can enjoy up to maximum of 47 days of free credit period unless specifically agreed otherwise between AEBC and/or Cardmembers.
VerifiedGold Card product page14 Aug 2026, 12:10 AM ISTAmerican Express India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What are the transfer ratios for Gold Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.americanexpress.com/in/benefits/.
VerifiedGold Card product page14 Aug 2026, 12:10 AM ISTAmerican Express India
Verified 2026-08-13 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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