American Express Gold Card

Earn accelerated rewards on dining and travel

JOIN: ₹1,000
ANNUAL: ₹4,500
REWARDS: 1% to 4%
APR: 42.00% p.a.

AMEX Gold Metal VIRTUAL OK

§ 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%

§ 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%

§ 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

§ 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

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.

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