American Express Gold Charge Card

9.2
Expert ScoreRead review
  • 4,000 Bonus Membership Reward Points as a welcome gift.
  • 5,000 Bonus Membership Reward Points after first-year card renewal on the realization of the annual fee.
  • 1,000 Bonus Membership Rewards Points on completing six transactions of Rs. 1,000 or above in a month.
  • 1 Membership Reward Point on every Rs. 50 you spend using the card, excluding spends on insurance and cash transactions.
  • 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
  • Discounts in partnership with some of the most premium hotel chains.
  • Up to 25% off on orders from The Oberoi Gurgaon, The Leela, The Lodhi, and many other premium partners. Up to 20% discount on dining at many other select restaurants.
  • Choice to pay the card membership fee monthly (Rs. 375/month).
  • There is no pre-set credit limit.
  • Fuel surcharge waived at HPCL fuel stations.

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Category:

American Express Gold Charge Card

9.2
Expert ScoreRead review
  • 4,000 Bonus Membership Reward Points as a welcome gift.
  • 5,000 Bonus Membership Reward Points after first-year card renewal on the realization of the annual fee.
  • 1,000 Bonus Membership Rewards Points on completing six transactions of Rs. 1,000 or above in a month.
  • 1 Membership Reward Point on every Rs. 50 you spend using the card, excluding spends on insurance and cash transactions.
  • 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
  • Discounts in partnership with some of the most premium hotel chains.
  • Up to 25% off on orders from The Oberoi Gurgaon, The Leela, The Lodhi, and many other premium partners. Up to 20% discount on dining at many other select restaurants.
  • Choice to pay the card membership fee monthly (Rs. 375/month).
  • There is no pre-set credit limit.
  • Fuel surcharge waived at HPCL fuel stations.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 4,500 + GST
Joining Fee
Rs. 1,000 + GST
Type of Card
Reward
Welcome Benefits
4,000 Bonus Membership Rewards Points

USP of Card

  • 4,000 Bonus Membership Reward Points as a welcome gift.
  • 5,000 Bonus Membership Reward Points after first-year card renewal on the realization of the annual fee.
  • 1,000 Bonus Membership Rewards Points on completing six transactions of Rs. 1,000 or above in a month.
  • 1 Membership Reward Point on every Rs. 50 you spend using the card, excluding spends on insurance and cash transactions.
  • 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
  • Discounts in partnership with some of the most premium hotel chains.
  • Up to 25% off on orders from The Oberoi Gurgaon, The Leela, The Lodhi, and many other premium partners. Up to 20% discount on dining at many other select restaurants.
  • Choice to pay the card membership fee monthly (Rs. 375/month).
  • There is no pre-set credit limit.
  • Fuel surcharge waived at HPCL fuel stations.

Fees & Charges

Spend Based Waiver
NA
Interest Rates
3.5% per month
Cash Advance Charges
3.5% of the transaction amount
Rewards Redemption Fee
Nil
Fuel Surcharge
Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations, and 2.5% surcharge at all other fuel stations.
Foreign Currency Markup
3.5% of withdrawal amount subject to a minimum amount of Rs. 250
Late Payment Fee
-
Add-on Card Fee
1 complimentary, Rs. 1,000/card fee applicable thereafter

Rewards & Benifit

Movie & Dining offers
Up to 25% off on orders from The Oberoi Gurgaon, The Leela and many other partner restaurants, up to 20% off on other select restaurants.
Reward Redemption
Membership Rewards Points can be redeemed for travel, accessories, and dining on AmEx’s Membership Rewards Redemption portal, and against fabulous 18 and 24 Karat collection.
Zero Liability Protection
On reporting the issue to the bank within 3 days, the cardholder will n to liable for any transactions, otherwise, the maximum liability of up to Rs. 1,000 will fall on the cardholder.
Rewards Rate
1 Membership Rewards Point per Rs. 50 spent with the card, 5X Membership Rewards Points on Rewards Multiplier Portal
Travel
10% discount on Air Vistara tickets, discounts in partnership with some of the most premium hotel chains.
Online Shopping offers
NA
Insurance Benefits
NA
Domestic Lounge Access
NA
International Lounge Access
NA
9.2Expert Score
  • 4,000 Bonus Membership Reward Points as a welcome gift.
  • 5,000 Bonus Membership Reward Points after first-year card renewal on the realization of the annual fee.
  • 1,000 Bonus Membership Rewards Points on completing six transactions of Rs. 1,000 or above in a month.
  • 1 Membership Reward Point on every Rs. 50 you spend using the card, excluding spends on insurance and cash transactions.
  • 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
  • Discounts in partnership with some of the most premium hotel chains.
  • Up to 25% off on orders from The Oberoi Gurgaon, The Leela, The Lodhi, and many other premium partners. Up to 20% discount on dining at many other select restaurants.
  • Choice to pay the card membership fee monthly (Rs. 375/month).
  • There is no pre-set credit limit.
  • Fuel surcharge waived at HPCL fuel stations.
Best values score
9.2
PROS
  • There are many travel and dining benefits provided with this card.
  • Earn 5X rewards with the reward multiplier. You can earn more points while shopping with popular brands like Apple and Flipkart.
  • This card has a low joining fee of Rs. 1,000.
CONS
  • Even though this card has some travel benefits, there isn’t any international or domestic lounge access provided with this card.
9.2Expert Score
  • 4,000 Bonus Membership Reward Points as a welcome gift.
  • 5,000 Bonus Membership Reward Points after first-year card renewal on the realization of the annual fee.
  • 1,000 Bonus Membership Rewards Points on completing six transactions of Rs. 1,000 or above in a month.
  • 1 Membership Reward Point on every Rs. 50 you spend using the card, excluding spends on insurance and cash transactions.
  • 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
  • Discounts in partnership with some of the most premium hotel chains.
  • Up to 25% off on orders from The Oberoi Gurgaon, The Leela, The Lodhi, and many other premium partners. Up to 20% discount on dining at many other select restaurants.
  • Choice to pay the card membership fee monthly (Rs. 375/month).
  • There is no pre-set credit limit.
  • Fuel surcharge waived at HPCL fuel stations.
Best values score
9.2
PROS
  • There are many travel and dining benefits provided with this card.
  • Earn 5X rewards with the reward multiplier. You can earn more points while shopping with popular brands like Apple and Flipkart.
  • This card has a low joining fee of Rs. 1,000.
CONS
  • Even though this card has some travel benefits, there isn’t any international or domestic lounge access provided with this card.

Specification: American Express Gold Charge Card

Bank Name

American Express

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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American Express Gold Charge Card
American Express Gold Charge Card

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