The Everyday SpendAmerican Express® Gold Credit Card

The Everyday SpendAmerican Express® Gold Credit Card

Lifetime Free Membership*
*Annual fee reversal basis spends

The Everyday Spend

Everyday Spend Gold Credit Card

American Express® Gold Credit Card

Lifetime Free Membership*
*Annual fee reversal basis spends

Earn up to 10X1 Membership Rewards® Points at select merchant2 partners

Annual Card fee : 495 + Applicable taxes

MITC (Refer to American Express® Gold Credit Card MITC)
Accelerated Earn Rate

Earn 10X and 5X ­Membership Rewards® Points1 for purchases at select merchant across online shopping, cabs, groceries and movies.

Welcome Bonus

Get cashback of Rs.500 as a Welcome Gift on spending Rs.10,0002 in the first 90 days of Cardmembership

Renewal fee waiver

Get a renewal fee waiver3 on eligible spends of Rs.39,999 in the previous year of the Cardmembership

Save Big

Enjoy great savings across categories like travel, lodging, dining and car rental

AMERICAN EXPRESS EMI

Convert purchases into EMIs at the point of sale with an interest rate of 12% p.a. and zero foreclosure charges

Earn Rate

You earn 1 Membership Rewards Point on every4 Rs. 50 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions

Rewards Yourself

Watch your Membership Rewards® Points opens up a world of fabulous rewards. Get ready to gift yourself the best, with the American Express Membership Rewards® e-catalogue. Redeem your Points for over 500 hand-picked rewards options across categories like travel, lodging, electronics, luxury retail and more.

Other Benefits

  • EMI - Use your Everyday Spend American Express® Credit Card for your next big purchase and pay in easy EMI at a low interest rate of 12% p.a. with refundable processing fee and no foreclosure charges.
  • Offers on your Card – Enjoy great savings on flights, hotel stays, dining, car rental and more.
  • Mobile App – Manage your Card account on-the-go. View Card transactions, pay Card bills, access PDF statements, redeem your Membership Rewards® Points and more. Download the App now Or simply give us a missed call at 7043337788 to get the download link on your device.
  • American Express EPAY – A one-stop destination for all your utility bill payments such as mobile, electricity, insurance premiums etc., to a host of service providers such as Airtel, Vodafone, BSES, LIC, MTNL and more. Enroll Now. Get 5% cashback on bill payments made via American Express EPAY. Customer need to register online for this offer. Maximum Cashback is limited to Rs.750 per Card.
  • American Express® ezeClick – No more entering Card details or filling up lengthy online forms. Shop faster at over 9,000 websites with American Express® ezeClick where all you need is just one unique ID. Get your ID.

World-class Service

  1. 24x7 Card Related Assistance – You can call the helpline numbers on the back of your Card for all your Card related queries and for any assistance you need.
  2. Dispute Resolution
  3. Zero Lost Card Liability
  4. Emergency Card Replacement

Eligibility

  1. I am over 18 years of age
  2. I have a Personal Annual Income of 4 Lakhs and above.
  3. I have a good credit history and no payment defaults
  4. I/We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status
  5. I understand American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat & Vadodra subject to conditions.

The Everyday SpendAmerican Express® Gold Credit Card

The Everyday SpendAmerican Express® Gold Credit Card

Lifetime Free Membership*
*Annual fee reversal basis spends

Terms & Conditions

1. For example, for a spend of Rs. 50 on an eligible merchant the Cardmember will get 10 Membership Rewards Points (if merchant is under 10X category) and 5 Membership Rewards Points (if merchant is under 5X category). Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Ola. 10X Membership Rewards Points are not applicable on Ola Money spends.  Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please visit americanexpress.com/in/pdf/edsmerchants1. 10X category means Cardmember earns 9 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 45 additional Membership Rewards Points. 5X category means Cardmember earns 4 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 20 additional Membership Rewards Points.

2. Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.

3. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.

4. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Other utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations; public housing societies and apartment associations.

5. ‎ 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart. 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Ola. For 5X partners, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the partners put together.

For Terms and Conditions applicable on the Membership Rewards Program, please refer to https://catalogue.membershiprewards.co.in/aboutTerms.mtw