American Express
American Express Gold Charge Card
Annual Fee
₹4,500
Base 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 Membership Rewards Points
~2.5% effective
Merchant-Specific Rewards
1 pt = ₹0.5
Flipkart
online
Apple
online
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
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹6.0L+
Networks