48
Lounges in network
33
Airports worldwide
—
Free intl visits/year
How to access lounges
Apply & Activate Card
Get your Gold Card and activate it.
Enjoy Lounge Access
Swipe card or use Priority Pass at participating lounges.
Your access
Domestic
Up to 8 visits / year
American Express Lounge Programme — show Gold Card and boarding pass at participating Indian lounges.
What you get inside
Available facilities vary by lounge — confirm on each lounge page.
Pros
- Low effective first-year cost at Rs. 1,000
- Open application — no invite required
- Amex Membership Rewards points on all spends
Cons
- Only 8 lounge visits per year — insufficient for frequent flyers
- Amex acceptance lower than Visa or Mastercard in India
- Fee jumps to Rs. 4,500 from year 2 — review value before renewing
Eligibility
Income Rs. 8L+, open application
Best for
Frequent India travellers wanting Amex rewards with moderate lounge access at a low first-year cost
How you earn points
Membership Rewards
source+1,000 bonus pts for six ₹1,000+ txns each month.
Earn rates only — we don't print a per-point cash value, since that depends on how you redeem.
Where the points go
Membership Rewards → 7 transfer partners · 2:1 to airlines, Marriott 1:1source
e.g. Singapore KrisFlyer, British Airways Avios, Marriott Bonvoy
Other benefits
How it compares
AM Gold Card(this card) | ||||
|---|---|---|---|---|
| Annual fee What the bank charges you every year to hold this card. | Rs. 1,000 first year, Rs. 4,500 from year 2 | Rs. 60,000/year + GST | ₹3,000/yr | ₹2,500/yr |
| Access programme Which lounge network this card's access rules route through. | American Express | American Express | Visa Signature | Priority Pass |
| Lounges in network How many lounges in Loungely's directory currently accept this card's access programme. | 48 | 48 | 18 | 320 |
| Spend condition Some cards require a minimum spend before domestic lounge access unlocks. Miss the target and access is blocked that period, even with the annual fee paid. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. | Required Spend ₹60,000 per previous quarter — Effective 1 Jul 2026. |
| Guest policy Whether you can bring someone into the lounge with you, and what it costs them. | — | — | Guests available at ₹2,000 per visit at most lounges. | No free guests — international guests ~US $27 + GST each. |
| Best for The type of traveller who gets the most value from this card. | Frequent India travellers wanting Amex rewards with moderate lounge access at a low first-year cost | High frequency international travellers who want the most premium Amex lounge experience regardless of cabin class | Vistara / Air India flyers wanting lounge access and flight upgrades | Domestic flyers who spend ₹60k+/quarter, plus occasional international travel |
Explore comparisons
How does the Gold Card compare to the Platinum Card?
The Gold Card carries a lower annual fee (Rs. 4,500 vs. Rs. 60,000) than the Platinum Card. Both cards route lounge access through American Express. See the full comparison table on this page for eligibility and guest-policy differences.
How does the Gold Card compare to the Vistara Signature Credit Card?
The Gold Card carries a higher annual fee (Rs. 4,500 vs. Rs. 3,000) than the Vistara Signature Credit Card. The Gold Card uses American Express, while the Vistara Signature Credit Card uses Visa Signature. The Gold Card reaches 48 lounges in Loungely's directory vs. 18 for the Vistara Signature Credit Card. See the full comparison table on this page for eligibility and guest-policy differences.
How does the Gold Card compare to the Regalia Gold Credit Card?
The Gold Card carries a higher annual fee (Rs. 4,500 vs. Rs. 2,500) than the Regalia Gold Credit Card. The Gold Card uses American Express, while the Regalia Gold Credit Card uses Priority Pass. The Gold Card reaches 48 lounges in Loungely's directory vs. 320 for the Regalia Gold Credit Card. See the full comparison table on this page for eligibility and guest-policy differences.
Gold Card — frequently asked
Does the Gold Card include American Express Lounge Program?
The Gold Card unlocks lounge access via American Express Lounge Program — up to 8 visits/year (American Express network). Depending on tier and issuer, that can mean unlimited Priority Pass visits, complimentary Amex Centurion access, or a limited quota of domestic visits per year. See the card's access-terms section for exact quotas.
How many lounges can I enter with the Gold Card?
Loungely tracks 48 lounges across 33 airports in 8 countries that accept the Gold Card. Full list on this page — every row shows the specific access rule, guest policy, and last-verified date.
How many free lounge visits does the Gold Card give per year?
The Gold Card includes 8 domestic visits per year. Additional visits are typically charged at the network's guest-fee rate.
What is the annual fee for the Gold Card?
Rs. 1,000 first year, Rs. 4,500 from year 2 per year, issued by American Express. Eligibility: Income Rs. 8L+, open application.
Apply
Gold Card
8 domestic/year
Affiliate link · Verify current terms on the bank's website before applying.