SELECT `id` FROM `tbl_card` WHERE `title` = 'American Express Gold Card' AND `card_type` = 'Credit Cards' American Express Gold Card - Features, Login, Rewards

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AMERICAN EXPRESS GOLD CARD

The American Express Company, also known as Amex. It is an American based multinational bank which provides financial services. American Express Bank is a federal savings bank headquartered in Salt Lake City, Utah, and is a wholly owned subsidiary of American Express. The bank issues charge cards and credit cards for small businesses under the American Express own brand. American Express credit cards are designed to fit right into your lifestyle. It was founded in 1850. The company is best known for its charge card, credit card and traveler’s cheque businesses.

Looking to apply for the gold card? But don’t know the way to do it? Come online and apply for your favourite card offering a host of benefits to grab. By applying online, you can kick out the hassles of visiting the branch and waiting for your turn to come if there are many in the queue.  One of the biggest perks for any cardholder is the membership rewards program, which allows consumers to earn points as they use their credit cards. The American Express Gold card is geared toward people who are big shoppers, eat out a lot, and do a lot of everyday spending.

American Express Gold Card Features

1. 4,000 bonus membership reward points would be credited on spending Rs.2,000 within 60 days of the card issuance.

2. 5,000 membership reward points in store for you at the time of renewal.

3. Enjoy 20% discount on dining

4. Travel booking benefits

5. 24×7 card related assistance

6. Exciting redemption options and much more

7. 1 Membership reward points for every spend of Rs.50 except on insurance, fuel, and utilities

8. Emergency Card Replacement Facility Available

9. 2 supplementary gold cards at no extra cost

10. Redeem reward points from the fabulous 18 carat and 24 carat gold collection

American Express Gold Card Benefits 

Reward type

Shopping

Welcome Gifts

Welcome Gift of 4,000 Bonus Membership Rewards Points

Gold Collection

Redeem your Points from the fabulous 18 and 24 Karat Gold Collection

Dining Benefits

Enjoy 20% discount on dining

Rewards points 

Earn 1 Membership Rewards Point for every Rs. 50 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions

American Express Gold Card Fee and charges

To apply for a Gold card, you have to pay fees and charges applied by the American Express  Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from American Express Bank i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE

CHARGES

Joining Fee

Rs. 1000 plus applicable taxes

Annual Fee

Rs. 4500 plus applicable taxes

Add-on Fee (per annum)

Nil up to 4 add-on cards (Rs. 1,500 per annum, post 4 cards)

Interest Rate

3.5% pm

Interest-Free Period

51 Days

Cash Advance Charges

3.5% of the Cash Advance amount, subject to a minimum of Rs. 250

Overlimit Charges

Rs. 500

Foreign Currency Transactions

Currency Conversion Factor Assessment: 3.50%

Surcharge on Purchase of Railway Ticket

1.8% of the transaction value if booked on the internet (IRCTC) subject to a minimum of Rs. 10

Points/Miles Reinstatement Fee

Rs. 200 per reinstatement

American Express Gold Card Eligibility Criteria

Before applying for a Gold card from American Express Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

1. The applicant must be over 18 years of age.

2. The applicant’s minimum income must be Rs.6 lakhs per annum.

3. The applicant must have a good credit history.

4. The applicant must be an Indian resident.

5. If the applicant is self-employed, the company must be active for over 12 months.

American Express Gold Card Documents Required

Any applicant who is applying for a Gold credit card from American Express Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement 

5. ITR or Form 16

American Express Credit Card Login 

Cardholders of American Express Bank Credit Card can log in to their credit card account through following steps :

1. Visit to American Express Website 

2. Provide the User ID and Password

3. Click ‘login’

How to apply for American Express Gold Card

There are two reason to apply for American Express Gold Card :

1. Offline Method : By visiting the nearest branch of American Express Bank

2. Online Method  :

  • Start the application process

  • Enter basic details such as your income, occupation, city of residence, etc. and proceed

  • From the list of credit cards, select the American Express Gold Card. You can filter the results by the bank to find the card easily

  • Check eligibility for this card by entering some more details

  • If you are eligible, you can proceed with the application by filing a detailed form

  • Once you submit the form, a representative of American Express will give you a call to decide a suitable time and place for document collection

  • A field agent will be sent to collect the documents at your home or office location

  • After you submit the documents, American Express will check the same and, if satisfied with the information, the card will be issued.

American Express Gold Card Customer Care 

Contact number : 18004192122 / 18004191030

Email id :  customercare@aexp.com

American Express Credit Card Payment Online 

You can make an American Express credit card payment online, over the phone, by mail, or via the American Express app. To pay your Amex bill online or with the app, just login to your Amex account, click “Make a Payment,” and add your bank account and routing number to make the payment

1. Go to Amex Credit Card Bill Payment Page on Paytm.

2. Enter your Credit Card Number.

3. Enter the bill amount.

4. Click on Proceed. 

Bank offered Financial Products

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

American Express Gold Card Frequently Asked Questions 

1. What is a American Express Gold Card?

One of the biggest perks for any cardholder is the membership rewards program, which allows consumers to earn points as they use their credit cards. The Gold card is geared toward people who are big shoppers, eat out a lot, and do a lot of everyday spending.

2. How much age is the candidate required to get a American Express Gold Card?

The minimum age is 18 years and maximum age is 65 years to get a American Express Gold Card.

3. What is the renewal fee of the American Express Gold Card?

The renewal fee of the American Express Gold Card is Rs.4500.

4. What are the rewards points given in a American Express Gold Bank?

The rewards points given in the American Express Gold Card from American Express Bank is 

  • Earn 1 Membership Rewards Point for every Rs. 50 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions

5. How much interest rate is provided by American Express Gold Cards?

The interest rate is 3.5% per month provided by American Express Gold Cards.

6. What type of rewards are included in the American Express Gold Card?

Travel and Dining rewards are included in the American Express Gold card.

7.  How can I apply for a American Express Gold Card?

You can apply for a American Express Gold Card through online and offline by visiting the nearest bank branch.

8. How do I contact customer care for a American Express Gold Card?

You can contact through customer care toll free number and also through e-mail id for a American Express Gold Card.

9. What is the joining fee of the American Express Gold Card?

The joining fee of the American Express Gold Card is Rs.1000.

10. What are the minimum and maximum late payment charges of American Express Gold Card?

The minimum charges is 500 and maximum late payment charges is 1000 of American Express Gold Card.

Last Updated on : 09/Oct/2020

Know More About CREDIT CARDS

American Express Gold Card

You're eligible for a American Express Gold Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account