If you are looking for a premium quality lifestyle credit card at an affordable rate, then you should take a look at the american express gold credit card. Targeting the top-notch section of Indian credit card users this amex card brings a ton of benefits with it which includes, powerful gold rewards on every transaction, attractive deals on travel, and huge discount on dining expenses. If you are interested, then make sure to go through the complete amex card review to know more about the amex gold card benefits.
What does it take to qualify for an American Express Gold Card?
- Resident Type: Indian.
- Amex card eligibility criteria for salaried person:
- Amex credit card age limit: 18 to 65 yrs.
- Income: Rs.6 lakh or above (monthly)
- Amex credit card eligibility criteria for self-employed person:
- Amex credit card age limit: 18 to 65 yrs.
- Income: Rs.6 lakh or above (monthly)
- What credit score is needed for american express gold card? An excellent credit score (Above 780) is required to apply for the american express gold credit card.
What documents are required to apply for an american express gold credit card?
- 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
- One recent passport-sized photograph is needed to apply for american express card.
- Proof of income statement needed to apply for a credit card:
- Salaried Person (any 1)
- Latest salary slip, (3 months)
- ITR (Income Tax Return)
- Self-employed person
- Latest Income tax return.
- Proof of business
- Recently audited financial report.
- Salaried Person (any 1)
What are the american express® gold credit card fees?
- American express gold card joining fee: Rs.1,000 + GST
- American express gold credit card annual fee: Rs.4,500 + GST (From the second year onwards)
What are the american express gold credit card benefits?
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Make every transaction rewarding:
The american express gold credit card rewards are offered like this.
|
Category of transaction |
Rate of earning gold points |
| Every Rs.50 spent with this amex credit card (including fuel and utilities) | 1 gold rewards point per Rs.50 spent |
| Transactions made via amex card reward multiplier | 5X amex gold rewards per Rs.50 spent |
You can also earn some bonus amex rewards too. On performing 6 successful transactions (Rs.1000 each) in an amex credit card statement cycle, you can earn 1000 bonus amex gold card rewards. You can redeem your amex gold rewards against amex 24 carat and 18-carat amex gold collections.
| Amex 24 carat gold collection
(24,000 amex rewards points) |
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| 18-carat american express gold collection
(18,000 amex reward points) |
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Experience travel benefits like never before:
This american express credit card comes with an array of jaw-dropping travel benefits.
| Amex gold card hotel booking benefits |
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| Flight offers on amex credit card |
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Exclusive amex gold charge card dining benefits:
This american express card’s mind-blowing dining benefits are mentioned below.
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Dining at restaurants |
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| American express card offers on online food orders |
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Exclusive Amex gold charge card lifestyle benefits:
This amex gold credit card also comes with a ton of exclusive lifestyle and shopping benefits, the details are mentioned below
| American express gold card shopping offers |
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| American express card offers on spa and Salon services |
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| American express gold card offers on beauty products |
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Attractive amex gold card offers on Health and Wellness category:
You will also get some exclusive healthcare benefits with this gold american express credit card.
| Amex cards healthcare benefits for you |
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| Amex benefits for your family |
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This amex credit card offers up to 20% off on online courses at Vedantu and White Hat Jr.
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The perfect travel companion for you:
This amex network card is globally accepted, you can use this american express card at any outlet or e-commerce site where the amex network cards are accepted.
What are the american express gold credit card charges?
|
Particulars |
Payable amount |
| Amex credit card cash withdrawal charge. | 3.5% against the withdrawn amount min Rs. 250 (make sure to check your american express® gold credit card limit before making a withdrawal) |
| Gold charge card finance charges | None. But, if you don’t clear your amex credit card bill within your credit card due date, you will be charged a delinquency fee on your credit card outstanding balance at the rate of 5% per month. |
| International credit card transactions charge | 3.50% against the transaction amount. |
| American express add on card fee | Free for up to 2 amex add on cards, beyond that, it will be Rs.1,500 for every card. |
How to contact the american express gold credit card customer care department?
- Call the amex credit card customer care no: 1800-419-1222 (Toll-Free) or 0124-280-1222
- Write to the amex credit card customer care mail id: customerservicesindia@aexp.com or AEBCNodalOfficer@aexp.com (nodal officer)
100xGain Ratings:
8/10
Pros and cons of the american express gold rewards credit card:
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Pros |
Cons |
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Final Opinion:
After analyzing the american express gold credit card benefits, I can say that this is one of the best American express credit cards you can get in India. From attractive deals on hotel and lifestyle categories to useful amex credit card points on every transaction, this amex card has everything needed to make your life more premium.
Also, if you want to compare some similar credit cards then feel free to take a look at the alternative card options given below.
Alternative of the amex gold credit card:
- Axis Bank Titanium Smart Traveler Credit Card (Best for reward and dining benefits)
- ICICI Platinum Chip Visa Credit Card (Best for reward and dining benefits)
- RBL Platinum Max SuperCard (Best for reward and movie benefits)
- SBI prime credit card (Best for reward and lounge benefits)
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