American Express Gold Charge Card
American Express
Annual Fee
₹4,500
Joining Fee
₹1,000 + GST
Base Reward
1% points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
4,000 Bonus Membership Rewards Points
Product Highlights
- 4,000 Bonus Membership Reward Points as a welcome gift.
- 1 Membership Reward Point on every ₹50 you spend using the card, excluding spending on insurance and cash transactions.
- 5X Membership Reward Points on all purchases through the Reward Multiplier portal.
Rewards
1 Membership Rewards Point for every ₹50 spent, including utilities. Earn 5X Membership Rewards Points on purchases through the Rewards Multiplier portal. Discounts at select partner restaurants.
Redemption
Membership Rewards Points can be redeemed for travel, accessories, and dining on AmEx’s Membership Rewards Redemption portal.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5X Membership Rewards Points) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Flipkart | 5X Membership Rewards Points | online |
| Apple | 5X Membership Rewards Points | online |
Benefits & Features
Get a $100 credit to spend on resort activities, spas, and dining when you spend two consecutive nights at over 400 hotels, including Hilton and Hyatt.
Fees & Charges
Eligibility
Min Age
18 years
Min Income (Salaried)
₹6,00,000
Available Networks
Pros & Cons
Pros
- 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.
- Low joining fee of ₹1,000.
Cons
- No international or domestic lounge access provided with this card.
Additional Info
Points are capped at 10,000.
Excluded Categories