The Three Lions tackle the Group H leaders in Podgorica following their 8-0 thrashing of San Marino on Friday but Gerrard insists they cannot go in with a relaxed attitude otherwise they could be on the receiving end of a heavy defeat of their own.
"These are the big games you look forward to. It will be tough and a decisive game and we are looking forward to it," Gerrard told reporters.
“I've not spoken to others about Montenegro. It will be a hostile atmosphere and they are littered with good players, it will be tough.
"The level of our performance will be key. We believe we are more than capable of three points if we play to our maximum. We have to be at our best to beat a good Montenegro side."