American Express Gold Credit Card

American Express Gold Card Welcome Benefits:

You get 4,000 Membership Rewards Points as Welcome Benefit on spending Rs. 10,000 within 90 days with this credit card.

Milestone Benefits:

You get 1,000 Membership Rewards Points every month on completing 6 transactions worth Rs. 1,000 each during each calendar month on your American Express Gold credit card.

American Express Gold Card Rewards:

• 1 Reward Point on spending Rs. 50 using the card.
• No reward points earned on insurance premium payments and on cash transactions.
• You also earn 1 Membership Rewards Points every time you spend Rs. 50 on utilities and fuel, but the Points are capped at 10,000 and 5,000 Points respectively for the two categories.
• Earn 5X Membership Rewards Points for every purchase through the Rewards Multiplier portal.

Reward Redemption:

You can redeem the Membership Reward Points-

• for INSTA purchases at offline stores, purchasing e-vouchers from Amex’s online shopping portal, and making credit card bill payments (under the Cash + Points scheme).
• or transfer to other air miles and hotel loyalty programs like British Airways Executive Club, Asia Miles, Club Vistara, Emirates, Skywards, Finnair Plus, InterMiles, Qatar Privilege Club, Etihad Guest, Singapore KrisFlyer, Virgin Points, Hilton Honors, and Marriott Bonovoy.
• redeemed from the fabulous 18 & 24 Karat gold collection.

Travel Benefits:

• Get $100 credit to spend on resort activities, spa, dining, etc. at hotels in the Hotel Collection
• 15% off on the best available room rate/breakfast at The Leela (promo code AMEXSTAY to be used).
• Get 25% discount on your stay at Pallazo Versace
• Up to 20% off on all Saffron Stays properties.
• Up to 15% off on booking at least 2 nights stay at Vista Rooms properties
• Get 20% discount at Lodhi on select room categories and 25% off on Spa services.

Dining Benefits:

• 20% discount on dining bills at select partner restaurants.
• Up to 25% off on order-ins from The Leela, The Oberoi Gurgaon, The Lodhi, Hilton, Accor, Roseate, and Qmin.
• Up to 50% discount for up to 10 guests at the Lodhi.

Fuel Surcharge:

• No fuel surcharge on fuel transactions up to Rs. 5,000 at HPCL Petrol pumps, (1% surcharge applicable thereafter).
• 1% fuel surcharge waiver for fuel transactions at BPCL and IOCL fuel stations (subject to a minimum surcharge of Rs. 10).
• 2.5% surcharge waiver at all other fuel stations (subject to a minimum surcharge of Rs. 10).

Zero Cost Liability Protection:

If the loss is reported to the bank within 3 working days, the liability of the cardholder would be zero. Otherwise, if the issue is reported after 3 days, the liability of the cardholder would be limited to Rs. 1,000.

American Express Gold Card Eligibility Criteria:

American Express credit cards can be issued only to the residents of Delhi/NCR,  Bangalore, Chennai, Mumbai, Pune, Jaipur, Hyderabad, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Bhopal, Ernakulam, Bhubaneshwar, Vijaywada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Vizag, Cuttack & Mysuru.

How to apply:

If you want to apply for the American Express credit cards there are both online as well as offline methods. The application process for the Amex Gold card is very simple. All you need to do is to provide very few documents like identity proof (like Aadhar card), address proof, PAN card, and income proof and submit your application online. In case, Amex requires any additional documents, they may contact you for the same. If your application is accepted, the card will be delivered to you within 15 days or Amex officials will get in touch with you within 90 days.

Customer Care:

American Express offers a devoted customer care helpline for their Gold cardmembers. If you need any assistance regarding your Gold card or even to report the lost or stolen card, you may contact the AmEx customer care support team at 1800 419 2122 (Toll-Free) or 0124-280 1122.

Conclusion:

Like most other American Express credit cards, you get a decent reward rate of 1 Membership Rewards Point per Rs. 50 spent using the card. The recent changes in the offers and discounts that come bundled with this card have made it a very attractive offering in the sub-premium segment, particularly for frequent fliers and for those who love dining out with friends and family as it offers so many travel and dining benefits.

Share your views on the AmEx Gold Card in the comment section below. If you are an existing cardholder then share your experience with the card with others.