cards / credit / american express / amex-gold-credit-card
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§ BENEFITS
4X MR on Dining
Earn 4X Membership Rewards points on all dining spends including restaurants, cafes, and food delivery
4X MR points
2X MR on Travel
Earn 2X Membership Rewards points on all travel spends including flights, hotels, and travel bookings
2X MR points
1X MR on All Other Spends
Earn 1 MR point per ₹50 on all other purchases
1X MR points
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year
8 visits/year
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- ₹75,000
- Age
- 21 – 65
- Min credit score
- 700
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,000
- Annual fee
- ₹4,500
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,200
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 3.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹2,50,00,000
- Permanent disability
- ₹2,50,00,000
- Air accident
- ₹2,50,00,000
- Travel insurance
- ₹20,00,000
- Baggage
- ₹1,00,000
- Lost-card liability
- ₹10,00,000
- Purchase protection
- ₹2,00,000
† within 48 h of loss
† 90 days
§ REWARDS
- Programme
- American Express Membership Rewards
- Earn rate
- 4X on dining, 2X on travel, 1X on others
- Point value
- ₹0.5
- Effective cashback
- 1.00%
- Min redemption
- 100 pts
- Expiry
- Points do not expire as long as card is active
§ LOUNGE
- Domestic
- 8 per year
- International
- Not included
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with American Express and earns no commission on applications.