{
  "id": "american-express-gold",
  "locale": "en",
  "name": "American Express Gold Card",
  "bank": "American Express",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹4,500 + GST (First Year ₹1,000 + GST)",
  "loungeAccess": "No complimentary airport lounge access",
  "rewardsRate": "1 MR point per ₹50 spent (incl. utilities) · 1,000 bonus MR points on 6x ₹1,000 monthly transactions · 5X on Reward Multiplier",
  "bestFor": "Disciplined spenders seeking a pure charge card with no pre-set limit, 5X Reward Multiplier vouchers, and monthly 6x ₹1,000 bonus",
  "officialLink": "https://www.americanexpress.com/in/charge-cards/gold-card/",
  "affiliateId": "american-express-gold",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.americanexpress.com/in/charge-cards/gold-card/",
    "American Express India — The Gold Card product page (verified 21 Aug 2026)"
  ],
  "feeWaiver": "No standard spend-based annual fee waiver (charge card)",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "Card Type",
      "value": "Charge Card (No Pre-Set Limit)"
    },
    {
      "key": "6x ₹1,000 Milestone",
      "value": "1,000 Bonus MR / mo"
    },
    {
      "key": "Reward Multiplier",
      "value": "5X MR Points"
    },
    {
      "key": "Base Earn Rate",
      "value": "1 MR pt / ₹50 (incl. Utilities)"
    },
    {
      "key": "Annual Renewal Fee",
      "value": "₹4,500 + GST"
    },
    {
      "key": "Lounge Access",
      "value": "None"
    }
  ],
  "earnRates": [
    {
      "category": "6x ₹1,000 Transactions (Monthly Milestone, via Reward Multiplier)",
      "rate": "1,600 MR on ₹6,000 spend (1,000 Bonus + 600 Base at 5X)",
      "monthlyCap": "1,000 bonus pts / month",
      "perLakhSpent": "26,666 MR Points"
    },
    {
      "category": "Amex Reward Multiplier (5X)",
      "rate": "5 MR pts per ₹50 (5X base rate)",
      "monthlyCap": "Per official page, terms apply (Limited period offer)",
      "perLakhSpent": "10,000 MR Points"
    },
    {
      "category": "Utility Bill Payments",
      "rate": "1 MR pt per ₹50 (incl. utilities)",
      "monthlyCap": "10,000 pts / month",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "General Retail Spends",
      "rate": "1 MR pt per ₹50",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Fuel & Insurance",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 MR Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Amex Reward Multiplier Portal",
      "multiplier": "5X",
      "rate": "5 MR pts per ₹50",
      "monthlyCap": "Per official page, \"Limited period offer. Terms and Conditions apply\"",
      "dailyCap": "—",
      "note": "Available on purchases routed through the Reward Multiplier portal."
    },
    {
      "channel": "6 Transactions of ₹1,000+ (Monthly Milestone)",
      "multiplier": "1,000 bonus pts",
      "rate": "1,000 pts on ₹6,000 spend",
      "monthlyCap": "1,000 bonus pts / month",
      "dailyCap": "—",
      "note": "6 separate transactions of ₹1,000 or more in a calendar month."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "24 Karat Gold Collection (Taj Experiences Voucher)",
      "value": "₹14,000 voucher for 24,000 MR points (≈₹0.58/pt)",
      "minPoints": "24,000 pts",
      "ceiling": "₹14,000 voucher",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "24 Karat Gold Collection (Shoppers Stop Voucher)",
      "value": "₹10,000 voucher for 24,000 MR points (≈₹0.42/pt)",
      "minPoints": "24,000 pts",
      "ceiling": "₹10,000 voucher",
      "fee": "Nil"
    },
    {
      "route": "24 Karat Gold Collection (Tata Cliq / Tanishq Voucher)",
      "value": "₹9,000 voucher for 24,000 MR points (≈₹0.38/pt)",
      "minPoints": "24,000 pts",
      "ceiling": "₹9,000 voucher",
      "fee": "Nil"
    },
    {
      "route": "24 Karat Gold Collection (Amazon / Flipkart / Reliance Digital Voucher)",
      "value": "₹8,000 voucher for 24,000 MR points (≈₹0.33/pt)",
      "minPoints": "24,000 pts",
      "ceiling": "₹8,000 voucher",
      "fee": "Nil"
    },
    {
      "route": "18 Karat Gold Collection (Taj Experiences Voucher)",
      "value": "₹9,000 voucher for 18,000 MR points (≈₹0.50/pt)",
      "minPoints": "18,000 pts",
      "ceiling": "₹9,000 voucher",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "18 Karat Gold Collection (Shoppers Stop / Tata Cliq / Myntra Voucher)",
      "value": "₹7,000 voucher for 18,000 MR points (≈₹0.39/pt)",
      "minPoints": "18,000 pts",
      "ceiling": "₹7,000 voucher",
      "fee": "Nil"
    },
    {
      "route": "18 Karat Gold Collection (Amazon / Flipkart / Reliance Digital Voucher)",
      "value": "₹6,000 voucher for 18,000 MR points (≈₹0.33/pt)",
      "minPoints": "18,000 pts",
      "ceiling": "₹6,000 voucher",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Fuel transactions (0% points effective 12 June 2025; HPCL convenience fee waiver applies).",
    "Insurance premium payments.",
    "Cash withdrawals and ATM advances.",
    "Revolving credit facilities (charge card requires full monthly settlement)."
  ],
  "feesDetail": [
    {
      "item": "First Year Joining Fee",
      "value": "₹1,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹4,500 + GST (No automated spend waiver)"
    },
    {
      "item": "Late Payment Fee",
      "value": "Sliding scale up to ₹1,000 + GST plus charge card default interest",
      "warn": true
    },
    {
      "item": "Add-on Card Fee",
      "value": "₹1,500 + GST per supplementary card"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18 years and above"
    },
    {
      "criteria": "Personal Annual Income",
      "requirement": "₹6 Lakhs and above per annum (Salaried or Self-Employed)"
    },
    {
      "criteria": "Serviceable Locations",
      "requirement": "Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneswar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nashik, Trivandrum, Mysuru, Cuttack, Vizag"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": {
    "vouchers": "0.33–0.58 MR-point value derived from published 18K/24K Gold Collection voucher face values (₹6,000–₹14,000) divided by their respective 18,000 / 24,000 point thresholds."
  }
}