American Express Gold Credit Card Review

American Express offers several credit cards to cater to the different needs of the customers, and American Express Gold Credit Card is one of them. This card is designed for everyday use. The benefits offered by this card are reward benefit, dining benefit, fuel surcharge waiver, lost card liability, milestone benefit, and lots more. It also offers attractive rewards on gold collections. Additional details of the card are given below. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹6 lakh or above. (annually) 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: ₹6 lakh or above. (annually) 
  • Good CIBIL Score (Above 750).
  • For the self-employed his/her company must be trading for at least a year.
  • The applicant should have a current or savings account in an Indian or Multinational bank.  

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹2,000 + GST
  • Annual Fee: ₹2,000 + GST


  • Reward benefit:

This card offers 1 reward point for each ₹50 spend with this card, (not applicable on –Cash transactions, Utility, Insurance, and fuel bills). 

You can redeem your reward points very easily against flight tickets, hotel booking, electronic products, etc. 

You can also get stunning rewards from the 18 karat and 24 karat gold collections. The schemes are given below – 

  • 24 Karat Gold (24,000 points).
  • Taj Voucher of ₹ 14,000.
  • Statement Credit of ₹ 9,000.
  • Tanishq Voucher of ₹ 10,000. 
  • 18 Karat Gold (18,000 points).
  • Taj Voucher of ₹ 9,000.
  • Statement Credit of ₹ 6,000.
  • Gif card (Amazon) of ₹ 7,000. 
  • Travel benefit:

This card offers big reward points for purchasing travel goods. 

  • Dining:

If you choose this card you will get up to a 20% discount on your dining bill. This offer applies to most of the frontline restaurants like – ROSEATE, THE BIERE CLUB, RADISSON HOTELS, BO-TAI, MADE IN PUNJAB, and FARZI CAFÉ, etc. 

  • Fuel surcharge waiver:

This card offers a 0% convenience fee on fuel at all HPCL petrol pumps. The transaction amount should be less than ₹25,000 to claim this offer.

  • Lost card liability:

American express offers zero liability on lost cards. To enjoy zero liability you have to report the loss within 3 working days, otherwise, your liability will be limited to ₹1000.  

  • Milestone benefit:

If you can complete 6 transactions each worth ₹1,000 or more within 6 months (1 transaction or more every month) you will get 1000 bonus reward points. 

  •  Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card. You can add a maximum of 2 of your family members for free.

  • Contactless Payment:

This card comes with an advanced contactless payment facility it is convenient, fast, and also protects your card from skimming.

  • Intelligent Spending Limit: 

This card can send a spending limit according to your spending patterns, but that does not mean that you have an unlimited spend limit, whenever you need to transact a bi amount with your card, you have to inform the card provider in advance.  

  • Global acceptance:

This card is globally accepted, you can use this car at any outlet or e-commerce site where the American Express cards are accepted.


  • Cash Withdrawal Charge: 3.5% against the amount. 
  • Finance Charge: 3.50% to 3.99% monthly.  

Contact Details:

Call: 1800-419-2122


100xGain Ratings:


Final Opinion:

This card is best suited for everyday uses, it offers reward points on every transaction, benefits on purchasing travel products, up to 20% discount on dining, 0% convenience fee on fuel purchase, zero lost card liability, opportunity to earn some bonus rewards, etc. 

But the benefits offered by this card cannot justify the fees charged by this card, many credit cards in the market offer better benefits at a lower cost. For example, if you want to earn reward points then you can go for IndusInd Bank PAYBACK Credit Card, if you want Cash-Back then you can go for Axis Bank Neo Credit Card, and if you want to earn benefits on travel then you can go for Axis My Wings Credit Card.

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