Welcome Benefits: Free 4000 points as welcome benefits.
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American Express Gold Charge Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Free 4000 points as welcome benefits.
Milestone Benefits
Milestone Benefits: Users can earn 1,000 bonus points on making 6 transactions of INR 1,000 every calendar month.
Cashback Rate
The value of 1 reward point is INR 0.50.
Users will earn 1 Membership rewards point for every Rs. 50 spent except for spends at Insurance and cash transactions, effective cashback rate: 1%
1 Membership reward point for every Rs. 50 spent on fuel and utility. Effective cashback rate: 1%.
Cardholders will get 5% cashback on select partners including: Apple, Tanishq, Flipkart, MakeMyTrip, Forest Essentials, Ajio, Dyson,
Movie Benefits
None.
Dining Benefits
Upto 20% off at partner restaurants.
Other Benefits
No pre-set spending limit. Fuel convienence fee waiver at HPCL.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Free 4000 points as welcome benefits.
Milestone Benefits
Milestone Benefits: Users can earn 1,000 bonus points on making 6 transactions of INR 1,000 every calendar month.
Cashback Rate
The value of 1 reward point is INR 0.50.
Users will earn 1 Membership rewards point for every Rs. 50 spent except for spends at Insurance and cash transactions, effective cashback rate: 1%
1 Membership reward point for every Rs. 50 spent on fuel and utility. Effective cashback rate: 1%.
Cardholders will get 5% cashback on select partners including: Apple, Tanishq, Flipkart, MakeMyTrip, Forest Essentials, Ajio, Dyson,
Movie Benefits
None.
Dining Benefits
Upto 20% off at partner restaurants.
Other Benefits
No pre-set spending limit. Fuel convienence fee waiver at HPCL.
Lounge Access
None.
Fees & Charges of
American Express Gold Charge Card
Joining Fee
INR 1000 plus taxes
Annual Fee
INR 4,500 plus taxes
Cash Advance Fee
Cash Advance Fee: 3.5% of the withdrawn amount, minimum Rs. 250
Interest rate
N.A.(Not Applicable)
Late Payment Fee
Late Payment Fee: Up to Rs. 1,000 (minimum Rs. 200)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 2.5% of the transaction amount
Other Fees
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onwards Rs. 4,500 plus applicable taxes). | Returned Payment Fee: Up to Rs. 500 per transaction
Joining Fee
INR 1000 plus taxes
Annual Fee
INR 4,500 plus taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
N.A.(Not Applicable)
Late Payment Fee
Late Payment Fee: Up to Rs. 1,000 (minimum Rs. 200)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 2.5% of the transaction amount
Other Fees
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onwards Rs. 4,500 plus applicable taxes). | Returned Payment Fee: Up to Rs. 500 per transaction
Fee and Charges of
American Express Gold Charge Card
Special Features
Redeem points from the fabulous 18 and 24 Karat gold collection.
Eligibility Criteria
You must be at least 18 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit history and no payment defaults.
You must have a personal annual income of Rs. 6 Lacs and above (for both salaried and self-employed individuals).
You must have a current/permanent residential address in India.
Speical Feature, Eligibility and Benefits of
American Express Gold Charge Card
How to apply for Credit Card?
Visit the American Express website: Look for the "American Express Gold Charge Card" and click "Apply Now."
Enter your basic information: Name, address, date of birth, contact details.
Provide financial information: Income, employment, Social Security number.
Review and submit application: Carefully review all details before submitting.
Credit check: American Express will perform a credit check to determine your eligibility.
Approval and card issuance: You'll receive a notification about your application status within a few days. If approved, your card will be mailed within a week.
Contact Details
1800 419 2122
Account Opening and Procedure of
American Express Gold Charge Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The American Express Gold Charge Card is a strong contender for frequent diners, grocery shoppers, and occasional travelers who appreciate luxury perks and lounge access. Its high rewards on key categories combined with travel benefits and lifestyle privileges make it a valuable option for those who can maximize its potential and offset the annual fee. However, the charge card nature and lower base rewards rate might not be ideal for everyone.
The American Express Gold Charge Card is a strong contender for frequent diners, grocery shoppers, and occasional travelers who appreciate luxury perks and lounge access. Its high rewards on key categories combined with travel benefits and lifestyle privileges make it a valuable option for those who can maximize its potential and offset the annual fee. However, the charge card nature and lower base rewards rate might not be ideal for everyone.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai