Rewards and Benefits

No pre-set spending limit

Enjoy flexibility in spending with no pre-set limit. No pre-set limit does not mean your spending is unlimited. American Express approves transactions on the basis of your spending pattern, financials, credit record and account history. If you anticipate making an exceptionally large purchase, please call us in advance.


No liabilities for lost Card

Card stolen or lost? Relax. Your liability is nil after you reported the loss and is limited to a maximum of Rs.1,000 before reporting.

Earn

Get rewards that grow like never before simply for using your Card. Enjoy the flexible spending power that adjusts automatically to your needs.


Welcome Gift

Get 4,000 Membership Rewards Points as Welcome Gift. Welcome Bonus will be awarded on using the Card 3 times within the first 60 days of Cardmembership and upon payment of annual fees.


Bonus Points simply for using your Card

Simply use your Card four times a month for transactions above Rs. 1,000 and get 1,000 Bonus Points every month.


Bonus Points on Card renewal

Celebrate the first renewal of your Cardmembership with 5,000 Anniversary Bonus Points. These Points will be credited to your Account after 90 days post the Card renewal month. However, this is applicable only on payment of Card renewal fee.


Bonus Points on Standing Instructions

Earn 1,000 Points by enrolling for Standing Instructions to automatically pay your utility bills and insurance premiums, within 5 months of your Cardmembership. To enrol for SI, SMS < SI > < Last 5 digits of the Card Number > to 5616166.


Points on your spending

Earn 1 Membership Rewards® Point for every Rs.50 spent except for spending at Fuel, Insurance, Utilities* and Cash Transactions. Even spending on Supplementary Cards will earn you more Rewards Points.


*No Membership Rewards Points are awarded 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.


Points never expire

What’s more, your Points never expire, so you can either redeem your Points regularly or keep collecting them to earn fabulous Rewards from the 18 carat and 24 carat Gold Collection.


Complimentary supplementary Card

Extend the privilege of your Gold Card to your loved ones with two complimentary Supplementary Gold Cards. You can also apply for additional Gold Cards at a nominal annual membership fee of INR 1,500 (plus taxes) per Card.

Gold Collection

24 carat Gold Collection

On reaching 24,000 Points, the finest of Rewards are yours to redeem.

18 carat Gold Collection

The moment you reach 18,000 Points, you can pick from a range of Rewards hand-picked for you.

Click here to know more about the Gold Collection

Points add up. Rewards get closer. Carat by Carat.

Here’s how your points could add up to the 18 & 24 Carat Gold Collection of rewards:

POINTS CALCULATOR POINTS ACCUMULATED
Bonus Points on using your Card 4 times a month* 12,000 Points
Standing Instructions** Bonus for the first bill payment 1,000 Points
First Year Card Renewal^^ 5,000 Points
Total 18,000 Points
Points earned on regular spending# 6,000 Points
Total 24,000 Points

The above table is for illustrative purposes only. For more information about your Card, please visit americanexpress.co.in/gold-card


*Only transactions above Rs.1,000 will be eligible for the Bonus Points.
**Earn 1,000 Points by enrolling for the First Standing Instruction registered within 5 months of Cardmembership.
^^These Points will be credited to your Account after 90 days post the Card renewal month. Applicable on payment of renewal fee.
#Points earned on eligible purchases of Rs.3,00,000 where you earn 1 Membership Rewards Point on every Rs.50 spent. You do not earn any Membership Rewards Points for your spending on fuel, insurance, utility bill payments and cash transactions. 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.

Do more with your Points

Select and Pay with Points

Experience a whole new way of redemption as you can use your Membership Rewards® Points to settle select transactions on your Card bill (1000 Membership Rewards Points is equivalent to INR 250).


Shop with Points

Use your Membership Rewards Points instantly for shopping or dining at over 45 merchant partners including Marks and Spencer, Croma, Central, Bose, Shoppers Stop and more. What’s more, you can also redeem your Points online at over 500 leading portals like MakeMytrip.com, BookMyShow, Vodafone and more. You can also use a combination of Points and Card payment to shop at our select partners. (4 Membership Rewards Points is equivalent to INR 1).


More redemption options

Add to that over 600 other redemption options, and it’s a rewarding life indeed. You can also convert your Points into Air Miles for complimentary flights aboard leading airlines. A nominal fee of INR 250, plus applicable Service Tax is levied on each transfer.

American Express Offers

Offers on your Card

American Express brings you offers across categories like travel, retail, dining and more.


MakeMyTrip Offer

Enjoy up to 15% on your travel bookings at www.makemytrip.com. Click here to know more


Fuel Surcharge

Enjoy 2.5% fuel surcharge waiver across all HPCL petrol pumps with your American Express® Gold Card.