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
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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


Interest Rates

3.5% per month

Add-on Card Fee

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

Rewards Redemption Fee


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.


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

International Lounge Access


Rewards Rate

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



Insurance Benefits


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


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.


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.


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

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