How to Apply for the Amex Gold Credit Card in 2026
Apply for the Amex Gold Credit Card with 1,000 bonus points and 4X on dining. Eligibility, fees, and full application walkthrough.
FinWiz24 Editorial
The Amex Gold Credit Card is a premium lifestyle card with 1,000 bonus Membership Rewards points on first ₹20,000 spent, 4X on dining, 4X on fuel, 2X on all other retail, 1% fuel surcharge waiver, and 4 domestic + 2 international lounge visits per year. The annual fee is ₹5,000, waived on ₹1.5 lakh spends in the previous year.
Why this matters
Amex Gold is the most cost-effective premium Amex card. The 4X on dining and fuel is unique — no other Amex card pays 4X on these categories. The 4+2 lounge visits cover most moderate travellers. The annual fee is recovered in 2-3 international flights or 4-5 dining spends.
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How to Apply for the Amex Gold Credit Card in 2026
Common mistakes to avoid
Amex Gold is only accepted at merchants that accept Amex. The 4X on dining is restricted to direct POS transactions — Swiggy and Zomato do not qualify. The 4+2 lounge visits are via Dreamfolks — register before your first travel.
Pro tips
- Use Amex Gold for offline dining and fuel to maximise 4X
- Pair with MRCC for Amazon and Flipkart 5X
- Register on Dreamfolks and link the card before your first trip
- Transfer Membership Rewards points to airline partners for maximum value
Frequently asked questions
What is the annual fee on Amex Gold?
₹5,000 + GST, waived on ₹1.5 lakh spends in the previous 12 months.
Does the 4X apply to Swiggy?
No. The 4X is restricted to offline POS transactions at restaurants.
How many lounge visits are included?
4 domestic + 2 international per year via Dreamfolks.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.