Amex Membership Rewards vs Amex Gold
Amex Membership Rewards is better for online shopping, groceries, food delivery & dining, while Amex Gold wins on its partner brands. Both have the same annual fee.
American Express
Amex Membership Rewards® Credit Card
•••• 4573Amex
American Express
Amex Gold Charge Card
•••• 7352Amex
| Amex Membership Rewards® Credit Card | Amex Gold Charge Card | |
|---|---|---|
| Issuer | American Express | American Express |
| Network | Amex | Amex |
| Best for | Monthly bonus points | High rewards, no preset limit |
| Headline benefit | 1,000 bonus pts / month | 1,000 bonus pts / month |
| Joining fee | ₹1,000 | ₹1,000 |
| Annual fee | ₹4,500 | ₹4,500 |
| Fee waiver | ₹1,50,000 spend | None |
| Works on UPI | No | No |
| Lounge access | None | None |
| Online shopping rewards | 3% | 2.5% |
| Groceries rewards | 3% | 2.5% |
| Food delivery & dining rewards | 3% | 2.5% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | – | – |
| Travel & flights rewards | 3% | 2.5% |
| Everything else rewards | 3% | 2.5% |
| Apply now | Apply now |
Choose Amex Membership Rewards if…
- Very high returns for moderate spenders
- Flexible Membership Rewards points
- Fee waived at ₹1.5 lakh spend
Watch out for
- No points on fuel, insurance or utilities
- Amex isn't accepted everywhere
- Doesn't work on UPI
Choose Amex Gold if…
- No preset spending limit
- Monthly bonus points are easy to earn
- Strong redemption options
Watch out for
- Full bill must be paid every month
- ₹4,500 annual fee
- No points on fuel or utilities
Verdict
Amex Membership Rewards is better for online shopping, groceries, food delivery & dining, while Amex Gold wins on its partner brands. Both have the same annual fee. Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.