American Express Gold Credit Card

Amex Gold is a charge card, and applications are paused

Most people search for the "Amex Gold credit card", but American Express sells it in India as the Gold Charge Card. There is no pre-set spending limit, which Amex says does not mean unlimited spending, and you pay the full bill each month.

The bigger news for applicants: Amex India's page currently says it is temporarily pausing new card applications. Existing cardholders are not affected. If you are researching the card, this page tells you what to expect when applications reopen.

Who can get it: ₹6 lakh income and a listed city

"Amex Gold minimum income" is the most common question we see about this card. Amex lists:

• Personal annual income of ₹6 lakh or more.
• Age above 18, a good credit history and an Indian bank account.
• A home address in one of Amex's listed cities, such as Delhi NCR, Mumbai, Bangalore, Chennai or Pune.
• Self-employed applicants need a company trading for over 12 months.

If you live outside those cities, Amex will not issue the card, whatever your income.

How Gold earns points

You earn 1 Membership Rewards point per ₹50 spent, utilities included up to 10,000 points a month. Insurance, cash and fuel from oil marketing companies earn nothing.

The monthly bonus does most of the work: 1,000 extra points for 6 transactions of ₹1,000 or more in a calendar month. Hit it every month and that is 12,000 bonus points a year on top of base points. Purchases through Amex ShopWise earn 5X points; check the current ShopWise terms for caps.

Users and CardAdvisor value a point at about ₹0.50 on voucher and Gold Collection redemptions. Statement credit is worth less.

What it costs

• First year: ₹1,000 + GST, with 4,000 welcome points if you spend ₹10,000 in the first 90 days.
• From year two: ₹4,500 + GST, about ₹5,310.
• No spend-based fee waiver. Instead, Amex gives 5,000 points when you renew after the first year.

What holders say

The most-upvoted thread calls Gold one of the best value cards for people who plan their spends. The complaints are about acceptance: smaller shops and some apps do not take Amex, so holders keep a Visa or Mastercard as backup. Several users say the ₹4,500 fee only makes sense if you hit the 6-transaction bonus every month.

Gold or MRCC?

Users compare it most with the Amex Membership Rewards Credit Card. MRCC has the same fee but a spend-based waiver, so moderate spenders often prefer it. Gold suits someone who makes 6 or more ₹1,000 transactions every month and wants the higher renewal bonus.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva