American ExpressVisaGold Credit Card
4.1NeoFinQ editorial rating
No preset limit + monthly milestone rewards on all categories
- No preset limit
- Monthly milestone bonuses
- Rewards on fuel/utilities
- Joining fee
- ₹1,000
- Annual fee
- ₹4,500
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹20,500/yr
Our verdict
Best for disciplined monthly spenders who can unlock milestone points.
Perfect for
- Disciplined monthly spenders
- Fuel/utility users
Not ideal for
- Cashback seekers
- Lounge access seekers
Pros & cons
- No preset limit
- Monthly milestone bonuses
- Rewards on fuel/utilities
- No lounge access
- ₹4,500 fee with no waiver
Rewards
1 MR/₹50 base (except Fuel, Utilities, Insurance, Cash Transactions and EMI)
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Fuel | 5% |
| Utilities | 5% |
Welcome offer
4,000 MR Points on ₹10,000 spend in first 90 days upon payment of joining fee
Benefits
Travel
- NA
More benefits
- Welcome Bonus: 4,000 MR Points on ₹10,000 spend in first 90 days upon payment of joining fee
- Milestone: 1,000 MR Points monthly for 6 transactions of ₹1,000+
Fees & charges
| Joining fee | ₹1,000 |
| Annual fee | ₹4,500 |
| Renewal fee | ₹4,500 |
| Fee waiver | NA |
Eligibility
Min. income (annual)
₹6L
Employment
Salaried / Self Employed
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Annual fee ₹4,500