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Amex Gold credit card

American Express

Amex Gold Credit Card

Best for rewards, lifetime-free

Lifetime free · 4x rewards

Amex Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

4x

Min. income

₹6,00,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹6 lakh/yr · CIBIL 700+

Reward cap

10,000 MR pts/month from utilities; 5,000 MR pts/month from fuel

Welcome benefit

1,000 bonus MR points on Rs 20,000 monthly spend; 5x on Reward Multiplier

Who is this for

  • Rewards optimiser
  • Fee-averse spender

What we like

  • Lifetime free (invitee)
  • 5x on Reward Multiplier portal

Watch out for

  • ₹1,000 late-payment fee
  • 3.5% cash-advance fee

Issuer

Bank

American Express

Foreign bank

All American Express cards →

Headquarters

Gurugram, Haryana

Established 1972

Toll-free

1800-419-3344

Website

www.americanexpress.com/en-in

Network

Amex

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 Lifetime free for invitees
Late payment ₹1,000 Not waivable
Forex markup Not published Not waivable
Cash advance 3.5% of amount Not waivable
Fuel surcharge 1% Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 1 MR Point per ₹50 spent (incl. fuel/utilities since 2021); 5x on Reward Multiplier portal 10,000 MR pts/month from utilities; 5,000 MR pts/month from fuel 1 MR Point ≈ ₹0.50
SHOPPING 1.00 — 0.50
DINING 1.00 — 0.50

Benefits

  • Domestic lounge access

    Limited

  • International lounge access Highlight

    Limited

  • Milestone benefits Highlight

    1,000 bonus MR points on Rs 20,000 monthly spend; 5x on Reward Multiplier

  • Fuel surcharge waiver

    Yes at HPCL

Eligibility

Age
18–65 years
Min. income
₹6,00,000
Min. credit score
700+
Score note
Good credit score
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, income proof

Amex Gold Credit Card is an Amex credit card from American Express. It is best suited for rewards, lifetime-free.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 1000 bonus points on ₹20K monthly

Eligibility

PAN, Aadhaar, income proof

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Apply for Amex Gold Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Amex Gold Credit Card worth it?
Amex Gold Credit Card is a credit card issued by American Express. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Amex Gold Credit Card?
Amex Gold Credit Card is a lifetime-free card with no annual or joining fee.

How does the Amex Gold Credit Card reward rate work?
Amex Gold Credit Card earns 4x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the Amex Gold Credit Card?
To qualify for Amex Gold Credit Card, you typically need: minimum annual income ₹6,00,000; CIBIL score of 700+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Amex Gold Credit Card offer airport lounge access?
Limited

What is the forex markup on the Amex Gold Credit Card?
Forex markup details for Amex Gold Credit Card are not published on FinWiz24.

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