The American Express Gold has a ₹4,500 annual fee, earns 5X reward points on Flipkart, Myntra, Makemytrip and 17 more (1 Membership Rewards Point For Every ₹50) and charges a 3.5% forex markup.
| Annual fee | ₹4,500 |
|---|---|
| Joining fee | ₹1,000 |
| Top reward rate | 5X reward points on Flipkart, Myntra, Makemytrip and 17 more |
| Base rewards | 1 Membership Rewards Point For Every ₹50 |
| Forex markup | 3.5% |
From issuer benefit data, checked 26 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
1 online offers across 1 brands right now, each valid for at least another 7 days. Checked 26 Oct.
These are American Express's own offers, so they apply to every American Express card, not just this one. All American Express offers by category.
The American Express Gold Credit Card has a joining fee of Rs.1000 and a renewal fee of Rs.4500. It offers a welcome gift of 4000 bonus Membership Rewards Points and a milestone bonus of 1000 points, making it valuable for frequent shoppers who can utilise these rewards.
This card is ideal for shoppers who frequently use platforms like Flipkart, Myntra, and Makemytrip, as it offers 5X reward points on these and 17 other merchants. Users who want to earn Membership Rewards Points on everyday spends will also benefit from the base rate of 1 point for every Rs.50 spent.
To maximise rewards, use the card for shopping on Flipkart, Myntra, Makemytrip, and other listed merchants to earn 5X reward points. Additionally, regular spending earns 1 Membership Rewards Point for every Rs.50, and reaching milestones grants bonus points.
The best value comes from shopping on Flipkart, Myntra, Makemytrip, Acer, Ajio, Boat, Croma, Dyson, Farfetch, and Forest Essentials, where you earn 5X Membership Rewards Points. Other spends earn 1 point per Rs.50, making these merchant purchases highly rewarding.
