Verified — 16/16 categories
American Express · American Express
American Express Gold Card
Best forRent & Education
Earns1 MR/₹50 on rent
1st Year / Joining Fee
₹4,500 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
American Express
American Express
American Express Gold Card
American ExpressWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on rent and education, where it earns 1 MR/₹50
How you earn
Reward rates at a glance — exactly as recorded for this card.
Rent1 MR/₹50
Education1 MR/₹50
Utilities1 MR/₹50
Groceries1 MR/₹50
Dining1 MR/₹50
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | 1 MR/₹50 | — | 1 MR / ₹50 on eligible rent transactionsDetails
|
| Education | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (Education)Details
|
| Insurance | No reward | — | —Details
|
| Utilities | 1 MR/₹50 | 10,000 MR per month | 1 MR / ₹50 on Utilities, subject to calendar month cap of 10,000 MRDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (Groceries)Details
|
| Dining | 1 MR/₹50 | — | 1 MR / ₹50 on eligible dining and food delivery spendDetails
|
| Food Delivery | 1 MR/₹50 | — | 1 MR / ₹50 on eligible dining and food delivery spendDetails
|
| Shopping | 1 MR/₹50 | — | 1 MR / ₹50 on eligible shopping transactionsDetails
|
| Travel | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (Travel)Details
|
| Government | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (Government)Details
|
| Wallet | 1 MR/₹50 | — | 1 MR / ₹50 on eligible wallet loadingDetails
|
| Railways | 1 MR/₹50 | — | 1 MR / ₹50 on eligible railway transactionsDetails
|
| FASTag | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (FASTag)Details
|
| Jewellery | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (Jewellery)Details
|
| Telecom | 1 MR/₹50 | — | 1 MR / ₹50 on other eligible spend (Telecom)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹4,500 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
- Utilities — 10,000 MR / month (per category — Utilities)
Key benefits
Rewards
1 MR/₹50 on rent
Fuel surcharge waiver
Fuel surcharge: HPCL <₹5k: 0%
Foreign-currency markup
3.5% foreign-currency markup — 3.5% foreign currency markup on overseas transactions
Important to know
Limits and exclusions that change what you earn.
- Utilities rewards are capped at 10,000 MR / month (per category — Utilities)
- No reward on: Insurance, Fuel
Who should consider this card
✓ Good fit if
- Your spending is concentrated in rent, education, utilities
△ Less useful if
- Much of your spending is in insurance, fuel, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 2 no-reward categories
Caps
- Utilities — 10,000 MR / month (per category — Utilities)
Categories with no reward or not eligible
- Insurance — No reward.
- Fuel — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to American Express's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: American Express
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Fuel surcharge: HPCL <₹5k: 0%; HPCL ≥₹5k: 1%; BPCL/IOCL: 1% min ₹10; Other OMCs: 2.5% min ₹10.
- Foreign-currency markup: 3.5% foreign-currency markup — 3.5% foreign currency markup on overseas transactions.
What DhanChakshu couldn't fully verify · 1 area
1 area needs further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
Amex Points Calculation FAQ · SRC-AMEX-REWARDS-FAQ
Amex Schedule of Fees and Charges · SRC-AMEX-FEE-SCHEDULE
Amex Foreign Currency Markup Policy · SRC-AMEX-FX-FAQ
Amex Gold Card · SRC-AMEX-GOLD