American Express Gold Card
American Express · Amex
Why this card?
- Earns reward points — the issuer does not clearly publish their rupee value
- ₹4,500 annual fee; renewal fee waived on ₹5 lakh yearly spend
- 4 domestic airport lounge visits a year
Card details
- Issuer
- American Express
- Network
- Amex
- Annual Fee
- ₹4,500
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 4% on dining, airlines, and travel partners
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹50,000
- Rates verified
- 2026-07-06
Our verdict
Amex Gold is a strong dining and airline card — 4X Membership Rewards on restaurant and airline spend, plus instant hotel Gold status, at ₹4,500/year (waived at ₹5L spend) makes it worthwhile for frequent diners and travelers who value hotel perks. Amex's limited merchant acceptance remains the consistent catch.
Pros
- 4X Membership Rewards on dining and airline spends
- Hotel Gold status with select chains — room upgrades and early check-in
- Transfer MR points to Marriott Bonvoy, IndiGo BluChip, and other programs
- Lounge access at select Indian airports via Amex network
Cons
- ₹4,500 annual fee with ₹5L waiver threshold — requires consistent usage to justify
- Amex network acceptance is narrower than Visa or Mastercard in India
- 3.5% forex markup — high for a card that targets frequent travelers