American Express® Gold Card

Joining fee

₹1,000

Annual fee

₹4,500

Forex markup

3.5%

reward points

• utilities: 1 points / ₹50Other utility services (introduced 1 July 2021) — capped at 10,000 points per calendar month
• everything-else, international: 1 points / ₹50General spend

No general blanket ₹-per-point redemption rate is published. The one explicit numeric rate in any official Amex India document is scoped narrowly to post-cancellation statement credit: "Credit adjustment against points, INR 1 = 4 MR Points" (₹0.25/point, minimum 1,000 points) — not available as an on-demand redemption option during normal cardholding, so not treated as a reliable floor. General catalogue redemptions (the Gold Collection) imply roughly ₹0.33-0.58/point depending on brand. Also includes a limited-period, non-permanent "5X Reward Multiplier" promotional offer.

• fuel: "Effective 12th June 2025, Cardmembers will not earn Membership Rewards point on Fuel payments" — a genuine discontinuation, not merely an ongoing exclusion.
• insurance: Insurance spend is excluded from earning; a commonly-cited effective date of 20 October 2014 could not be independently verified in any primary Amex document. Also excludes cash transactions.

Minimum age

18 years

Minimum monthly income

₹50,000

• •Review the fees, rewards, and eligibility above against your own spending pattern — this card has no single standout feature over the rest of the portfolio.

Verified from official issuer sources. Last verified 31 August 2026