Is American Express Gold Card good for travel?

American Express Gold Card is a rewards card from AmEx. It is not primarily a travel card, but may offer some travel benefits.

AmEx • rewards

American Express Gold Card

Q: What is the annual fee of American Express Gold Card?

The annual fee for American Express Gold Card is Rs.4500 + GST.

Q: How to apply for American Express Gold Card?

You can apply for American Express Gold Card online through AmEx's website or through CreditIQ's unbiased apply link. Eligibility typically requires a credit score of 750+ and a minimum income as per bank criteria.

Honest review — No affiliate bias — Updated May 2026

CreditIQ Score

8.2

out of 10

Rs. 4,500

Annual Fee

Rs. 4,500

Joining Fee

Visa/Mastercard

Network

rewards

CreditIQ Verdict

The American Express Gold Card is a rewards credit card from AmEx with an annual fee of Rs.4,500. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on rewards categories and want to earn meaningful rewards.

Fees & Charges

Annual FeeRs. 4,500 + GST

Joining FeeRs. 4,500 + GST

Interest Rate42% per annum (3.33% per month)

Forex Markup3.5% on international transactions

Cash Advance2.5% of amount (min Rs. 500)

Late PaymentRs. 0 – Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...

+ Spend on rewards regularly

+ Spend Rs.18,000+ per month

+ Have a good credit score (750+)

+ Earn Rs.0.4L+ annually

Skip if you...

- Travel internationally often (high forex markup)

- Carry a balance month-to-month

- Are a first-time credit card user

- Cannot meet annual spend threshold

Frequently Asked Questions

What is the annual fee of American Express Gold Card?

The annual fee is Rs.4,500 + GST. It is waived if you meet the annual spend threshold.

What is the reward rate on American Express Gold Card?

American Express Gold Card offers 1. Check the benefits section above for category-specific accelerators.

How to apply for American Express Gold Card?

You can apply online through AmEx's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.

Applying via CreditIQ

Zero affiliate bias. We show all cards equally — ranked by value, not commission.

Apply Now Compare with other cards

Quick facts

Annual feeRs.4,500

NetworkVisa/Mastercard

BankAmEx

Other AmEx cards

American Express Platinum Travel

Rs.5,000 annual fee

Amex Membership Rewards Credit Card

Rs.4,500 annual fee