American Express Everyday Spend Gold Credit Card


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American Express is a leading financial institution offering a wide range of credit cards to help customers shop for a variety of needs. One such card is Everyday Spend Gold Credit Card that keeps the shoppers intrigued with accelerated rewards, cashback, as well as renewal fee waiver on accomplishing the desired annual spends. What’s more, you can be greeted with services such as zero lost card liability. All these and more would only inch you to grab the card and the offers it comes with.

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American Express Everyday Spend Gold Credit Card Offers

The card is studded with a host of following offers.

  • Accumulate 10X and 5X Membership Rewards* Points1 on your spends at select merchant partners across movies, cabs, groceries and online shopping categories. The points earned can be redeemed at more than 500 hand-picked reward options across retail, luxury, lodging, travel, electronics categories, etc.
  • Get ₹500 cashback as a welcome gift on spending 10,0002 within the first 90 days of the card membership
  • Enjoy a renewal fee waiver3 on eligible spends of ₹39,999 in the previous year
  • Earn 1 membership reward point for every4 ₹50 spent on retail purchases except fuel, utility, insurance and cash transactions

Value-added Services

You can also receive the following services applicable to cardholders.

  • Round-the-Clock card assistance services
  • Zero Lost Card Liability
  • Emergency Card Replacement
  • Dispute Resolution

Fees & Charges

  • Annual Fee – ₹495
  • Finance Charges – 3.50% per month (Applicable on cash advance, balance transfer and unpaid card dues)
  • Cash Advance Fee – 3.50% of the cash withdrawal amount, subject to a minimum of ₹250
  • Over Limit Fee – ₹500
  • Duplicate Statement Fee – ₹100 (However, the statement must not be more than 3 months old)

American Express Everyday Spend Gold Credit Card Eligibility

You must meet the following to be eligible for the card.

  • A cardholder must be more than 18 years old
  • Must have a spotless credit history without any default
  • Permanent residential address in India is required
  • You must have a gross fixed annual income of ₹4 lakhs and above


Here’s a list of documents required while applying for American Express Everyday Spend Gold Credit Card.

Identity Proof – PAN Card/Driving License/Voter ID/Passport/Aadhaar Card

Residence Proof – Driving License/Voter ID/Passport/Aadhaar Card/Utility Bill

Income Proof – Latest salary slips for salaried, ITR or balance sheet of recent years for self-employed

Savings or current account statement of any Indian or multinational bank

American Express Everyday Spend Gold Credit Card Apply Online

An online application is smooth and hassle-free. All that you need to do is to visit the official website of American Express and then go to Everyday Spend Gold Credit Card page. Click on ‘Apply Now’, enter a few personal and professional details before submitting the application. After receiving the application, American Express would send executives to pick up the documents from you to check the authenticity of the details submitted. It would give an approval only when satisfied with the verification.

American Express Everyday Spend Gold Credit Card Credit Limit

The credit limit would depend on the income, repayment potential and the credit score of an individual. A greater income would transpire in an equitable repayment capability. The credit score must be 750 and more to get enhanced limits to shop with.

American Express Everyday Spend Gold Credit Card Customer Care Number

Call the 24×7 customer care executive on 18004191414 to resolve your queries pertaining to the card.

American Express Everyday Spend Gold Credit Card Bill Payment

You can pay the bill online or via cheque or demand draft. You can either log in to American Express using the credentials to pay the bill. The card payment can be made even from other bank’s net banking. For that, you need to first add the American Express Everyday Spend Gold Credit Card by mentioning a few of its details. As soon as the bill generates, you can receive an SMS regarding the due amount and the payment date. Keep the remaining amount on the bank account for a successful payment.

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