American Express Gold Credit Card Review

American Express Gold Credit Card is a credit card from American Express specially designed for those people who travel more frequently and loves to dine at premium restaurants. This card can also earn you easy reward points that you can also redeem your rewards very easily on 500 + options. Again it has a number of other features and benefits including – travel, dining, flexible spending limit, and lots more.

  • Eligibility criteria –
  • Nationality –
  • Age – min 18 years.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income – Min 6 lakh or more.
  • the applicant needs to have a permanent residential address in India.
  • Self-employed people must have a Well-established company or business.
  • This card is currently available in – Pune, Chennai, Bangalore, Mumbai, Delhi, Indore, Kolkata, Jaipur, Hyderabad, Bhopal, Surat, Vadodra, Chandigarh, Coimbatore, Ahmedabad, Vizag, etc.
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months)
  • KYC-PAN.
  • Fees –
  • Joining fee – ₹ 1,000 + GST.
  • Annual fee – ₹ 4,500 + GST.
  • Add on fee – None for up to 2 cards
  • Interest rate (p.m.) – 50%
  • Benefits – The awesome benefits of the card is described below –
  • Membership Reward – with this card you can earn reward points more easily. You can get up to 1,000 membership rewards if you complete 6 transactions of ₹ 1,000 or more within 6 months. (1 transaction or more every month).
  • Additional Reward – you can win huge reward points with this card. on the payment of the first annual fee, you will receive up to 5,000 reward points. ( applicable only if the joining fee is paid before ). You can also easily reward points from your every transaction, 1 reward point on each ₹ 50 transactions ( not applicable on –Cash transaction, Utility, Insurance, and fuel bills). You can also redeem your points very easily from up to 500 redemption options, like hotels, Ait tickets, Electronics, and much more.
  • Gold Collection – This is probably the best feature from American Express, with this feature you can easily make the value of your reward points double. The schemes are like this –
  • 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.
  • Domestic Voucher of Travel (America Express) of ₹ 7,000.
  • Statement Credit of ₹ 6,000.
  • Gif card (Amazon) of ₹ 7,000.
  • Intelligent Spending Limit – Now you don’t need to worry about over-limit charges as your ‘American Express Gold Credit Card’ has the ability to set a spending limit according to your account record, credit history, CIBIL score, and your Spending Patterns. But that does not mean that you have an unlimited spending limit. Whenever you need to spend an Enormous amount of bill you need to contact American Express in Advance.
  • Travel Benefits – now you can travel more worry fee with your ‘American Express Gold Credit Card’. the awesome travel benefits of this card are described below –
  • you can get huge reward points on the purchase of travel goods.
  • You can transfer your Reward points to partners’ loyalty programs. (airline parters are – Asia Miles, British Airways, Club Vistara, Emirates Skywards, Etihad Guest, etc. )
  • Dining – Now you can enjoy Dining at most of the frontline restaurants. You will enjoy up to 20% discount at partner restaurants like – ROSEATE, THE BIERE CLUB, RADISSON HOTELS, BO-TAI, MADE IN PUNJAB, and FARZI CAFÉ.
  • Lost card liability – Now you don’t need to worry about lost cards, because with your ‘American Express Gold Credit Card’ you are free from all liabilities of lost cards. You also don’t need to worry about frauds and theft of cards.
  • Add on card – now you can share the awesome benefits of your card with your loved ones. You can add your loved ones – children, Parents, Siblings, or any family member of min 18 years old with your card for free (for up to 2 members). And he/she can also enjoy the benefits of having a credit card.
  • Fuel convenience waiver – with your ‘American Express Gold Credit Card’ you can enjoy a 0% convenience fee on fuel at HPCL petrol stations.
  • Charges –
  • Cash Advance – 5% against the amount (min charge – 250)
  • Late payment Fee – 30% against the due amount ( min – ₹ 500, Max – ₹ 1000 )
  • Foreign currency transaction – 5% against the transacted amount.
  • Other benefits –
  • Worldwide acceptance – this card is accepted worldwide, you can transact with this card almost from any corner of the earth.
  • Contactless payment – this is the most useful feature against frauds and misplacement of cards. Because you don’t need to hand over your card during payment, you can pay using your card with just a wave at any secure reader machine. To check if your card has the contactless feature of not looking for the contactless logo on your card.
  • 24X7 customer care – America Express says “Ask for Impossible” and truly their customer care service is 24X7 active you can ask for any kind of help at any time.
  • Emergency card replacement – In case of any emergency situation you can replace your card at any time almost from any-where.
  • Customer care number –
  • 1800 419 1414
  • 0124 280 1418
  • Final verdict –

If you are looking for a card that can earn you huge reward points and benefits, and with which you can feel safe and secure then this is the card you it has some of the neat reward point earning opportunity and extraordinary benefits. Again American express customer care can give you an experience of secure and active customer service. So if you are eligible for it then hurry and grab the awesome features of the card.

Leave a Reply

Share via
Copy link
Powered by Social Snap