American Express
American Express Gold Card
This is an invite only card
Apply and get ₹0 Rewards
Top Benefits
Get 4,000 Bonus Membership Rewards Points
as a welcome gift credited post card issuance
Get up to ₹10,000 instant cashback on Apple
purchases available at the Apple Store Online, Apple BKC Mumbai, or Apple Saket Delhi on eligible products
Best For
Shopping
Dining
Travel
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹5,310 ( ₹4500 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 5X Membership Rewards Points on purchases via the Reward Multiplier platform
- Up to ₹10,000 instant cashback on eligible purchases at Apple Store Online
- Enjoy 20% off on room stays at Best Available Rate across all participating properties of The Lalit Hotels
- Redeem 24,000 Membership Rewards Points for a Taj voucher worth ₹14,000 via the Gold Collection (or equivalent from Shoppers Stop, Tanishq, Tata Cliq, Amazon, Flipkart, Reliance Digital)
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.50
Redemption Options
- 18K / 24K Gold Collection vouchers
- Amazon
- Flipkart
- Taj
- Myntra
- Tanishq
To check redemption catalogue
N/A
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Government-related Transactions
Wallet Loads
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
For Spends Waiver
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Government-related Transactions
Wallet Loads
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees | N/A |
ATM withdrawal For every withdraw money transaction you will be charged 3.5% of the amount withdrawn or Rs 500 whichever is higher. | 3.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees | |
Cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees | Amount Due |
|---|---|
| ₹1 - ₹10000 | ₹400 |
| ₹10001 - ₹25000 | ₹750 |
| ₹25000 and above | ₹1000 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Get 4,000 Bonus Membership Rewards Points
as a welcome gift credited post card issuance
Get up to ₹10,000 instant cashback on Apple
purchases available at the Apple Store Online, Apple BKC Mumbai, or Apple Saket Delhi on eligible products
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.