Interest free credit
period (only on full
payment on or before
the due date) Calculation of interest for transactions will be from the posting day onwards and not from the statement date.
50 days
Finance Charge (Purchases)
2.00% per month (24.0%
p.a)
Minimum payment due
whichever is higher
5% or Rs. 250
Cash advance limit
50%
SERVICE
AND SECURITY FEATURES
Joining fee - Primary
Rs. 1250
Joining fee - Supplementary
Rs. 500
Annual fee - Primary
Rs. 2900
Annual fee - Supplementary
Rs. 1250
Cash advance fee (Overseas)
USD 3+3% on the face value
Cash advance fee (Locally)
Rs. 200/- + 4% on face value
Finance Charge (Cash Advance)
2% per month (24% p.a)
Late payment fee
Rs. 750
Excess charge over credit
limit
Rs. 750
Returned cheque -
Lack Of Funds
Rs. 1000
Returned cheque -
Other Reasons
Rs. 200
Limit enhancement fee
– Permanent (Urgent)
Rs. 750
Limit enhancement fee
– Permanent (Normal)
Rs. 500
Limit enhancement fee
– Temporary (Urgent)
Rs. 1000
Limit enhancement fee
– Temporary (Normal)
Rs. 500
VISA Letter
Rs. 500
Card replacement fee
Rs. 500
Copy of statement
Rs. 200 per copy
Copy of sale voucher
- (up to a maximum of
3 months from transaction
date)
Rs. 200
PIN replacement fee
Rs. 500
Billing cycle change
Rs. 200
Early renewal fee
Rs 200
Re-couriering of cards
Free of Charge
Standing instruction
% changing fee
Rs. 200
Overseas courier fee
Rs. 3000
Processing fee for an Urgent Application
Rs. 750
Emergency card replacement
(Overseas)
Free of Charge
Travel Accident Insurance
Free of Charge
Travel Inconvenience
Insurance
Free of Charge
TRAVEL
INSURANCE
Accidental Death and
Dismemberment
US$ 100,000
Accidental & Sickness
medical expenses (Excess-
US$ 50)
US$ 60,000
24 Hour Medical Assistance
Services
YES
Common Carrier Baggage
Loss (Self or Family-
50% per bag, 10% per
article)
US$ 2,000
Baggage Delay (Self
and family) Beyond 4
hours
US$ 500
Trip delay (Self and
family) Beyond 4 hours
US$ 500
Trip Cancellation
US$ 500
ADDITIONS
Personal Liability Benefit
(Excess USD 150)
US$ 25,000
Legal Fees Benefit
US$ 10,000
Loss of Passport Benefit
US$ 250
Trip Interuption Benefit
US$ 400
Hijacking
US$ 500
LIFESTYLE
FEATURES
Annual fee - Membership
rewards
Rs. 250
Annual fee - Membership
rewards Plus
Rs. 500
Automatic Bill Settlement
- Initial setup fee
Rs. 500 (for less than two
registrations)
Nexus Program
Available
0% interest instalment
plan
Available
Selects program
Available
Apply online:
*Conditions apply
Terms and Conditions of the American Express Gold Card & important information on Credit Card Usage
