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

Effective August 20th 2019, The Everyday Spend American Express Gold Credit Card is changing to a New American Express SmartEarnTM Credit Card with a New plastic and New 10X and 5X Rewards Partners. For full details, please refer here.

American Express® Gold Credit Card

Lifetime Free Membership*
*Annual fee reversal basis spends

Earn up to 10X1 Membership Rewards® Points at select merchant1 partners

Annual Membership fee : Rs.495 + Applicable taxes

MITC (Refer to American Express® Gold Credit Card MITC)

Effective August 20th 2019, The Everyday Spend American Express Gold Credit Card is changing to a New American Express SmartEarnTM Credit Card with a New plastic and New 10X and 5X Rewards Partners. For full details, please refer here.

Accelerated Earn Rate

Earn 10X Membership Rewards® Points1 on purchases made at Flipkart and Ola and earn 5X Membership Rewards Points on purchases made at Big Bazaar, Uber, Amazon, BookMyShow, and many more.

Earn Rate

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

Welcome Bonus

Get cashback of Rs. 500 as a Welcome Gift on eligible spends2 of Rs. 10,000 in the first 90 days of Cardmembership

Renewal fee waiver

Get a renewal fee waiver on eligible spends3 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. View American Express Offers page here

AMERICAN EXPRESS EMI

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

Reward Yourself

Watch your Membership Rewards® Points open 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, retail and more.

Other Benefits

  • EMI - Use your Everyday Spend American Express® Gold Credit Card for your next big purchase and pay in easy EMI at an interest rate as low as 12% p.a.
  • 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, view 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® ezeClick ֠No more entering Card details or filling up lengthy online forms. Shop faster at leading websites with American Express® ezeClick where all you need is just one unique ID. Get your ID.
  • Contactless Payment Cards issued by AEBC may be equipped to enable contactless payments. Payments effected via the contactless feature do not require a second factor authentication and may be restricted in accordance with the Bank's internal policies/extant guidelines. In the event American Express issues a contactless Card, it will be notified to you via the brochure accompanying the Card. Transactions above a certain threshold will require a second factor authentication. The customer has a choice to effect the payments with or without the contactless feature subject to the threshold as stated above. Please refer to Americanexpress.co.in/contactless for further details.

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 Liability5
  4. Emergency Card Replacement

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. Cashback in the form of 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.

5. Cardmember liability is nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days then the maximum liability of the customer will be limited to Rs. 1,000. For more information, please refer MITC.