American Express Gold Charge Card
American Express Gold Charge 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 ₹ 1,000 or above in a month.
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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 ₹ 1,000 or above in a month. 1 Membership Reward Point on every ₹ 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 (₹ 375/month). There is no pre-set credit limit. Fuel surcharge waived at HPCL fuel stations.
Joining Fee
₹1000
Annual Fee
₹4500
Rating
5.0/5.0(0 reviews)
Key Features
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 ₹ 1,000 or above in a month.
1 Membership Reward Point on every ₹ 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 (₹ 375/month).
There is no pre-set credit limit.
Fuel surcharge waived at HPCL fuel stations.
Rewards Program
Base Rewards
Reward Type
Cashback
Base Reward Rate
1 Membership Rewards Point per ₹ 50 spent with the card
Point Value
1 EDGE Point = ₹0.20
Points Expiry
Never expires
Bonus Rewards
Welcome Offer
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 ₹ 1,000 or above in a month. 1 Membership Reward Point on every ₹ 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 (₹ 375/month). There is no pre-set credit limit. Fuel surcharge waived at HPCL fuel stations.
Accelerated Rewards
3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.
Card Benefits
Travel Benefits
Unlimited Free Airport Lounge Access
Complimentary domestic airport lounge access per year and Priority Pass membership for international lounge access.
Dining & Entertainment
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.
Buy one get one movie ticket offer at premium multiplexes and exclusive access to premium events.
Lifestyle & Protection
Special offers at duty-free shops and international retail outlets.
Personal air accident coverage worth ₹ 5 crore, cover of ₹ 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.
Unlimited complimentary golf games at courses across India with up to 4 guest visits per quarter.
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | 1000 |
| Foreign Currency Markup | 3.5% of the transaction amount |
| Cash Advance Fee | 3.5% of withdrawal amount subject to a minimum amount of ₹ 250 |
| APR | 3.5% per month |
| Late Payment Fee | Nil for balances up to ₹100; ₹100 for balances from ₹101-₹500; ₹500 for balances from ₹501-₹1000; ₹750 for balances above ₹1000 |
| Fuel Surcharge | Waived at HPCL fuel stations for transactions up to ₹ 5,000, 1% surcharge on BPCL and IOCL stations, and 2.5% surcharge at all other fuel stations. |
| Balance Transfer Charges | 1.5% (min ₹250) |
Additional Charges
Statement & Processing
Duplicate Statement Charges
₹100 per statement
Dynamic Currency Conversion Fee
0.035
EMI Charges
₹99 + GST
Loan Processing Fee
0.03
Outstation Processing Charge
₹50-₹100
Additional Fees
Overlimit Fees
500
Payment Return Charges
₹250 per Returned Instrument
Railway Ticket Purchase Fee
₹30 + GST
Card Reissue Fee
100
Rent Pay Transactions
N/A
Rewards Redemption Fee
Nil
Fee Waiver Conditions
Annual Fee Waiver on Spends of ₹ 10 Lakh in a Year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
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.
Expert Opinion
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 ₹ 1,000. Cons Even though this card has some travel benefits, there isn’t any international or domestic lounge access provided with this card.
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