American Express Gold Card (charge card)
1 point per full ₹50 eligible spend. Amazon vouchers require full 18,000 or 24,000-point blocks. Charge card: pay the balance in full. First-year ₹1,000+GST fee deducted.
Try your spend →How this estimate works
Charge card, not a credit card: the outstanding balance must be paid in full; no pre-set spending limit does not mean unlimited spending. First-year baseline only. One eligible domestic purchase each month earns 1 Membership Rewards point per complete ₹50, repeated 12 times. Household electricity, water and gas also earn points, capped at 10,000 points per calendar month. Fuel earns no points effective 12 June 2025; insurance, cash, fees and merchant-selected EMI are excluded. Only complete 18,000-point Gold Collection Amazon gift cards worth ₹6,000 or 24,000-point Amazon vouchers worth ₹8,000 count here. The model chooses the combination with the largest usable voucher total from points earned in this year. Balances below 18,000 produce no redeemable voucher in the one-year estimate, not permanently worthless points; Membership Rewards points currently do not expire while membership remains valid. Redemptions are for the basic cardmember in good standing, subject to availability and irreversible. Vouchers must be used before the expiry supplied with each voucher and cannot be extended; merchant restrictions apply and they are not cash. No voucher redemption charge is stated in the retrieved issuer Gold Collection or Membership Rewards terms. First-year fee ₹1,000+estimated 18% GST is separately deducted; second-year renewal is ₹4,500+taxes and is not this estimate. The 1,000-point monthly bonus needs six separate ₹1,000 transactions and is omitted because this model assumes one transaction a month. The 4,000-point welcome offer, Reward Multiplier, lounges and other offers are omitted. Special payment routes, education/government/tax, rent, wallets and unverified merchant chips are unscored. This is a narrow base-spend voucher estimate, not a full card proposition.
Issuer terms
Gold Card earn, exclusions and fee · Gold Collection voucher values · Points, expiry and redemption terms · Charge-card full-payment requirement
Terms checked 30 September 2026. Verify current reward availability and voucher restrictions before redeeming.