American Express Gold Credit Card — Rewards, Fees & Value
American Express · amex · mid
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Transfer partners
Points can transfer to: singapore airlines krisflyer, air india flying returns, taj innercircle, marriott bonvoy.
Key benefits
- 18,000 bonus MR points on ₹1.25L spend in first 6 months
- Transfer to 12+ airline and hotel partners
- Lounge access (8 per year)
- Global Assist hotline
Calculate your exact points value, or let the Card Finder check whether the Gold Card belongs in your stack.
FAQs
The American Express Gold Credit Card earns up to 3.4% effective value on dining & food delivery and 3.4% on groceries. Its base rate is about 1.7%.
The Gold Card has an annual fee of ₹4,500.
On the Gold Card, one point is worth up to about ₹0.85 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-01. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with American Express.