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American Express India

American Express India Gold Card

Source-traced to issuer Verified 2026-08-13
View on official site →

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You'll land on the issuer's official application portal at americanexpress.com — if a different card is shown first, use its card selector to pick this one.

Overview

Gold Card by American Express India. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Confirm on the official page

Annual / renewal fee

  • First Year Fee: ₹1,000.
  • Second Year onwards: ₹4,500.

Verified · mitc · 2026-08-13 · source

Fee waiver

Confirm on the official page

Renewal fee

Second Year onwards: ₹4,500.

Verified · kfs · 2026-08-13 · source

Rewards

Redemption value

  • ₹250 for every redemption of Air Miles (applicable for all Charge products except Platinum Card).
  • ₹200 for reinstatement of Points for every monthly billing statement.
  • Points will be forfeited for the particular billing cycle / monthly statement in which the payment is not received in full by the due date.

Verified · kfs · 2026-08-13 · source

Travel & lounge

Lounge access

Confirm on the official page

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Insurance

  • American Express Gold Card: Death due to Air Accident (when ticket is booked on American Express Card) - Covers death due to air accident, Primary Card Sum Insured INR 30,00,000.
  • Insurance benefits provided by ICICI Lombard General Insurance Co. Ltd.

Verified · Gold Card product page · 2026-08-13 · source

Eligibility

Eligibility

  • Insurance cover not available for Supplementary Cardholders other than as stated.
  • Policy activates on the day the Card application is approved by AEBC, subject to timely payment of annual Fee.

Verified · Gold Card product page · 2026-08-13 · source

Charges & interest

Forex markup

Foreign Currency Transactions: Currency Conversion Factor Assessment - 3.50%.

Verified · mitc · 2026-08-13 · source

Charge

  • Standard Add-on Card Fee: ₹1,500 (up to 2 Supplementary Cards free).
  • Cash Advance Fee: 3.5% of the Cash Advance amount, minimum ₹250, each withdrawal.
  • Duplicate Statement Fee: ₹100 per statement for paper statements older than 3 months.
  • Cheque/ECS/NACH Return Fee: ₹250 per Returned Instrument.
  • Record of Charge/Summary of Charge Retrieval Fee: ₹100 per Retrieval.
  • Surcharge on Purchase of Railway Ticket: 1.8% of the transaction value or minimum of ₹10 + tax if booked on the internet (IRCTC).
  • Membership Rewards Points for Redemption/Reinstatement: ₹250 for every redemption of Air Miles.
  • ₹200 for reinstatement of Points for every monthly billing statement.
  • Convenience Fee on Fuel Purchase: 0% for HPCL under ₹5,000.
  • 1% for HPCL on and above ₹5,000.
  • 1% (min ₹10 + taxes) at BPCL and IOCL.
  • 2.5% (min ₹10 + taxes) at all other Oil Marketing Companies.
  • FCY/Foreign Currency Transactions: Currency Conversion Factor Assessment - 3.50%.
  • Delinquency Fee: 5% on unpaid balance, minimum monthly ₹300.
  • (Updated 31 March 2026 / KFS as of 11 August 2025).

Verified · mitc · 2026-08-13 · source

Fuel surcharge waiver

  • Convenience Fee on Fuel Purchase: 0% fee per HPCL transaction less than 50,000.
  • 1% fee per transaction for all HPCL transactions on and above 5,000.
  • 1% of the transaction value subject to a minimum of ₹10 + applicable taxes at Public Sector Oil Marketing Companies BPCL and IOCL.
  • 2.5% of the transaction value subject to a minimum of ₹10 + applicable taxes at all other Oil Marketing Companies (except HPCL, BPCL and IOCL).

Verified · Gold Card product page · 2026-08-13 · source

Interest-free period

  • There are no Interest Charges applicable for Charge Card(s).
  • Cardmembers can enjoy up to maximum of 47 days of free credit period unless specifically agreed otherwise between AEBC and/or Cardmembers.

Verified · Gold Card product page · 2026-08-13 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Gold Card?

Officially traced: First Year Fee: Rs. 1,000.

mitc

What are the transfer ratios for Gold Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pagemitcGold Card product pagekfs

Official terms

https://www.americanexpress.com/in/benefits/.

Verified · Gold Card product page · 2026-08-13 · source

Verified 2026-08-13 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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