American Express
American Express Gold Charge Card
Annual Fee
₹5,310₹4,500 + GSTBase Reward
1% MR 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.
Category Rewards
shopping
5X Membership Rewards Points
5X
~2.5% effective
Merchant-Specific Rewards
1 pt = ₹0.5
Flipkart
5X Membership Rewards Points
Apple
5X Membership Rewards Points
Reward Calculator
Earns ₹690/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
6K
American Express Membership Rewards Points
₹6K
via statement credit
Effective rate
2.00%
Annual fee
₹5,310
Y1 ₹1,180
Year 1 net
+₹6,820
incl. welcome
Year 2+ net
+₹690
ongoing
Adjust your spend by reward bucket
1 bucketsRedemption channels
highest value = bestStatement credit
₹0.5/pt
Travel partner
₹1/pt
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, insurance, cash advance, emi pos conversion
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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.
- Membership Rewards Points can be redeemed for travel, accessories, and dining on AmEx’s Membership Rewards Redemption portal.
We use ₹0.5/point as the effective value for card comparisons and recommendations.
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.
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹6.0L+
Networks