American Express Gold Charge Card

The Gold Card by American Express is one of the Charge Cards that AmEx offers in India, the other being the Platinum Charge Card. The Platinum Charge Card is far more premium as it comes with much higher fees and offers better rewards. At the same time, the Gold Charge Card is most suitable for the vast majority of users. 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 member’s purchasing habits, finances, credit score, and account history. It is also worth mentioning that transactions made with the Gold Charge Card cannot be converted into EMIs, as full payment has to be made by the due date.

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 catalog 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.

Product Details

• 4,000 Bonus Membership Reward Points as a welcome gift.
• 1,000 Bonus Membership Rewards Points on completing six transactions of ₹1,000 or above in a month.
• 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.
• Discounts in partnership with some of the most premium hotel chains.
• There is no pre-set credit limit.
• Fuel surcharge waived at HPCL fuel stations.

American Express Gold Charge Card Features & Benefits

Welcome Benefits

You get 4,000 Membership Rewards Points as a Welcome Benefit on spending ₹10,000 within 90 days with this credit card.

Milestone Benefits

You get 1,000 Membership Rewards Points every month on completing six transactions worth ₹1,000 each during each calendar month on your American Express Gold Card.

Travel Benefits

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.

Dining Benefits

20% discount on dining bills at select partner restaurants.

Fuel Surcharge

• There is no fuel surcharge on fuel transactions up to ₹5,000 at HPCL Petrol pumps (1% surcharge applicable thereafter).
• 1% fuel surcharge waiver for fuel transactions at BPCL and IOCL fuel stations (subject to a minimum surcharge of ₹10).
• 2.5% surcharge waiver at all other fuel stations (subject to a minimum surcharge of ₹10).

Zero Cost Liability Protection

If the loss is reported to the bank within three working days, the liability of the cardholder would be zero. Otherwise, if the issue is noted after three days, the detriment of the cardholder would be limited to ₹1,000.

American Express Gold Charge Card Rewards

• 1 Reward Point/₹50 spent using the card.
• You also earn 1 Membership Rewards Point every time you spend ₹50 on utilities, but the points are capped at 10,000.
• Earn 5X Membership Rewards Points for every purchase through the Rewards Multiplier portal. Shop from popular brands such as Flipkart and Apple.

No reward points are earned on insurance premium payments and cash transactions.

Gold Charge Reward Redemption

You can redeem the Membership Reward Points-

• For INSTA purchases at offline stores and credit card bill payments can be made (under the Cash + Points scheme).
• Transfer to other air miles and hotel loyalty programs like British Airways Executive Club, Asia Miles, Emirates Skywards, Finnair Plus, Qatar Privilege Club, Etihad Guest, Singapore KrisFlyer, Virgin Points, Hilton Honors, and Marriott Bonvoy.

18 & 24 Karat Gold Collection

Redeem your Membership Rewards point from the fabulous 18 & 24 Karat gold collection.

18 Karat Gold/18,000 Membership Rewards Points

Choose from the following rewards with 18,000 Membership Rewards points

• Taj Voucher Worth ₹9,000
• Amazon Gift Card Worth ₹6,000
• Myntra Voucher Worth ₹7,000
• Flipkart Voucher Worth ₹6,000
• Shoppers Stop Voucher Worth ₹7,000
• Reliance Digital Voucher Worth ₹6,000
• Tata CLiQ Voucher Worth ₹7,000

24 Karat Gold/24,000 Membership Rewards Points

With 24,000 Membership Rewards points, you can select from the following-

• Tanishq Diamond Jewelry Voucher ₹9,000
• Tata CLiQ Voucher Worth ₹9,000
• Flipkart Voucher Worth ₹8,000
• Shoppers Stop Voucher Worth ₹10,000
• Taj Voucher Worth ₹14,000
• Amazon Gift Card Worth ₹8,000
• Reliance Digital Voucher Worth ₹8,000

American Express Gold Card Eligibility Criteria

Given below are the eligibility criteria for an American Express Gold Card-

• Should be above the age of 18,
• Should have an annual income of ₹6 Lakh or above,
• Should be a resident of India,
• Should have a current or savings account in India,
• Should have a decent credit score and no payment defaults,
• If self-employed, the company should have been trading for a period of no less than 12 months.

Please keep in mind that currently American Express Gold Card is available in the following cities only – Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneshwar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack & Vizag.

American Express Customer Care

American Express offers a devoted customer care helpline for their Gold Card members. If you need any assistance regarding your Gold Card or even to report the lost or stolen card, you may contact the AmEx customer care support team at 1800 419 2122 (Toll-Free) or 0124 673 6600.

American Express Gold Card Review

Like most other American Express credit cards, you get a decent reward rate of 1 Membership Rewards Point per ₹50 spent using the card. The recent changes in the offers and discounts that come bundled with this card have made it a very attractive offering in the sub-premium segment, particularly for frequent flyers and for those who love dining out with friends and family, as it offers so many travel and dining benefits.

Share your views on the AmEx Gold Card in the comment section below. If you are an existing cardholder, then share your experience with the card with others.