American Express Gold Charge Card

  • Joining Fee: Rs. 1,000 + GST
  • Renewal Fee: Rs. 4,500 + GST
  • Best Suited For: Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 4,000 Bonus Membership Rewards Points
Add to Compare

The Gold Card by American Express is a Charge Credit Card that AmEx offers in India, the other being the Platinum Card. Platinum card is a more premium offering and offers better rewards. The unique feature of these Charge Cards is that they don’t come with any pre-set credit limit. The credit limit is flexible and changes according to the cardmember’s purchasing habits, finances, credit score and account history. Despite being the lesser premium of the two Charge Cards, the Gold Card also comes packed with many premium privileges (travel and dining benefits, in particular). Recently, American Express changed the offer/discounts catalogue for the Gold Card, making it an even more lucrative offering. Whether you are a shopping enthusiast or an avid vacationer, this card offers exciting benefits.  Keep reading to know all about the benefits and charges of the American Express Gold Charge Card.

New Features

Spend Based Waiver

N/A


Interest Rates

3.5% per month


Add-on Card Fee

1 complimentary, Rs. 1,000/card fee applicable thereafter

Rewards Redemption Fee

Nil


Fuel Surcharge

Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations, and 2.5% surcharge at all other fuel stations.

Foreign Currency Markup

3.5% of the transaction amount


Cash Advance Charges

3.5% of withdrawal amount subject to a minimum amount of Rs. 250

Movie & Dining

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.


Travel

10% discount on Air Vistara tickets, discounts in partnership with some of the most premium hotel chains.


International Lounge Access

N/A

Rewards Rate

1 Membership Rewards Point per Rs. 50 spent with the card,  5X Membership Rewards Points on Rewards Multiplier Portal


Golf

N/A


Insurance Benefits

N/A

Reward Redemption

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.


Domestic Lounge Access

N/A


Zero Liability Protection

On reporting the issue to the bank within 3 days, the cardholder will n to liable for any transactions, otherwise, the maximum liability of up to Rs. 1,000 will fall on the cardholder.

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 Rs. 1,000.

Cons

Even though this card has some travel benefits, there isn’t any international or domestic lounge access provided with this card.

Similar Cards

Add to Compare

SpiceJet Axis Bank Voyage Black Credit Card

The SpiceJet Axis Bank Voyage Black Credit Card is a co-branded travel credit card issued by Axis Bank in partnership with SpiceJet airlines. The card was first launched in November 2021 along with another card that can be considered its toned-down version, but then it was removed from the card issuer’s website. Now, the card has been added there again with all its detailed information. It comes with a joining and annual fee of Rs. 2,000 and offers a flight voucher worth Rs. 4,000 as a welcome benefit. therefore, the cardholders get back more than they pay as a joining fee. As the card is issued in partnership with SpiceJet airlines, it offers rewards in the form of Spiceclub points, which are redeemable against lots of travel-related options. Other than this, you can have complimentary access to domestic airport lounges every year. Talking about the additional benefits of this card, it offers up to 8,000 bonus Spiceclub points every year on the basis of your total annual spends and you get 2,000 bonus points every year on renewing your card. Loaded with all these exclusive travel benefits, this card is best suited for those who travel very often via flight. To understand the rewards and benefits of the SpiceJet Axis Bank Voyage Black Card in detail, keep reading the article:  

View More
Add to Compare

FABINDIA SBI Card

The FABINDIA SBI Card is a co-branded credit card issued by the State Bank of India in partnership with Fabindia. The card comes with a nominal joining fee of Rs. 499, and earns you a gift voucher worth Rs. 500 as a welcome benefit. With this card, you can earn up to 5 Reward Points on every Rs. 100 you spend. The Reward Points can be converted into Fabfamily rewards and can be redeemed against shopping. Moreover, you get a gift voucher worth Rs. 750 from Aditya Birla Fashion / Bata / Yatra / Urban Ladder / Hush Puppies on achieving the milestone spend. To let you save more on this card, it gives you a chance to get your renewal fee waived off on the basis of your total annual spends. There are several more advantages of the FABINDIA SBI Card. To know all of them, keep reading the details given below:

View More
Add to Compare

IndianOil Citi Credit Card

IndianOil Citi Credit Card launched by CitiBank is a co-branded fuel card offering great benefits including a strong reward rate in collaboration with IndianOil. HDFC Bank has also offered a similar credit card named Indian Oil HDFC Bank Credit Card, giving a high competition to this card offered by CitiBank. With an annual fee of Rs. 1,000, the card offers the chance to earn up to 71 liters of free fuel in a year. The card rewards you in the form of Turbo Points. As a welcome gift, on making your first transaction the cad rewards you with 250 Tubro Points. Moreover, you earn 1 Turbo Point for Rs. 150 spent on all your purchases, and accelerated Reward Points for your spends on groceries, departmental stores, and fuel purchases at IndianOil outlets. The Turbo Points earned on Citibank Indian Oil Credit Card are redeemable against not only fuel but several other categories, including shopping, gift vouchers, AirMiles, cashback, etc. You can also avail of exciting discount offers on dining across a number of participating restaurants through your IndianOil Citi Credit Card. Keep reading to know more about the card, its features and benefits, fees associated with it, and much more.

View More