Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#47 of 173 in credit

American Express

American Express Gold Card

creditAmexmid

Classic charge/credit card generating dense point grids executing tiny clustered monthly transactions.

Score breakdown

Data completeness: 60% · Last verified: 06 Jul 2026

Reward value36/100 · weight 65%

≈ 1.79% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency44/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹1,000 + 18% GST
= ₹1,180 total
Annual fee: ₹4,500 + 18% GST
= ₹5,310 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	points	25.00%(100 pts @ ₹0.25)	₹1,000 / monthly	Secure flat 1,000 Bonus MR points dynamically running simply 6 transactions crossing Rs 1,000 vertically
all_spends	points	0.25%(1 pts @ ₹0.25)	—	1 Membership Rewards point checking out Rs 50 uniformly