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CREDIT CARD DETAIL American Express Gold Credit Card Card Highlights Card Class Gold Card Type Premium Issuer American Express Offered Type American Express Rewards Main Features Up to 25% Higher Credit Limit Flexibility of Choice Low Interest Rate Balance Transfer Premium Benefits Global Acceptance Travel Service Offices Personalised Service  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 3.5% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month (N.A.}  Fees & charges   Fees & charges Annual Fee Rs 2000 Add On Card Fee Rs 1000 Credit Limit The Gold Credit Card offers you a credit limit that is up to 25%* higher than your existing Credit Card. Cash Advance Transaction Fee 2.5% or Rs. 75, whichever is higher. Late Payment 1.5% of outstanding subject to a minimum of Rs. 175 and maximum of Rs. 350 Limited Lost Card Liability Limited loss liability, limited to a maximum of Rs.1000 before you report the loss of your Card and nil after you report the loss Over Limit Charges 1.5% of outstanding subject to a minimum of Rs. 175 and maximum of Rs. 350 Cheque Bounce Fee Min.: Rs 250 Return of Cheque Fee Min.: Rs 250 Dial a Draft Fee 2.5% transaction fees subject to a minimum of Rs. 75. Duplicate Statement Request Charges Rs 100 Emergency Replacement(when overseas) Free Emergency Card replacement usually within 2 business days, virtually anywhere in the world Railway Booking Surcharge (Online) 2.5% Fuel Surcharge 2.5% Foreign Currency Transaction Charges 2% Retrieval Fee/Copy Request Fee Rs 100 Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits The Membership Rewards Programme offers points for every Rupee you spend at the rate of 1 point for every Rs. 40. These points can be redeemed for free holidays, shopping, dining or even free flights. For more info. Click Here  Cash Back   Cash Back: Description With the Cash Back programme, you can earn a Cash Back of up to 2%* of your Card spending.  Services & Features   Services & Features General Features: Photo Option No Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes Insurance: Air Accident Free Personal Accident Insurance up to Rs.30 lakhs Other Accident Free Personal Accident Insurance up to Rs.3 lakhs in any other accident Purchase Protection Up to Rs.1,00,000 for 90 days Hospitalization Benefits No  Special Offers   Special Offers Travel and Leisure Dining Shopping Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Free insurance policies with credit cards Rupeetimes guide to different types of... Tax saver fixed deposits in India earn you... The home loans interest rate story: The... Plan for your child