American Express Gold Charge Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
The value of 1 reward point is INR 0.50.
Users will earn 1 Membership rewards point for every Rs. 50 spent except for spends at Insurance and cash transactions, effective cashback rate: 1%
1 Membership reward point for every Rs. 50 spent on fuel and utility. Effective cashback rate: 1%.
Customers can redeem their Points from the 18 and 24 Karat Gold Collection.
Movie Benefits
Dining Benefits
Other Benefits
Card provides a discount on dine-out. Customers also get to enjoy greater flexibility with a ‘no pre-set spending limit.; Customers can enjoy up to 20% off every time they dine out.
Lounge Access
Fees & Charges
Joining Fee
INR 1000 plus taxes
Annual Fee
INR 4,500 plus taxes
Cash Advance Fee
Cash Advance Fee: 3.5% of the withdrawn amount, minimum Rs. 250
Interest rate
APR 44.13%
Late Payment Fee
Late Payment Fee: Up to Rs. 1,000 (minimum Rs. 200)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 2.5% of the transaction amount
Other Fees
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onwards Rs. 4,500 plus applicable taxes). | Returned Payment Fee: Up to Rs. 500 per transaction
दोष
Charge card: Unlike a traditional credit card, user must pay balance in full each month with a charge card. This can be difficult for some people to manage.
Limited airport lounge access: The Amex Gold Charge Card does not include complimentary access to airport lounges. However, you can purchase access to individual lounges or sign up for a separate lounge membership program.
Foreign currency conversion fees: While there are no foreign transaction fees, Amex does charge a 2.7% currency conversion fee on purchases made in a foreign currency.
Reward System: The value of 1 reward point is INR 0.50. Users will earn 1 Membership rewards point for every Rs. 50 spent except for spends at Insurance and Cash transactions, effective cashback rate: 1% and 1 Membership reward point for every Rs. 50 spent on fuel and utility. Effective cashback rate: 1%.
Customers can earn 1,000 bonus points on 6 transactions of ₹1,000 every calendar month.
Customers also get to enjoy greater flexibility with a ‘no pre-set spending limit.
Customers can redeem their points from the fabulous 18 and 24 Karat Gold Collection.
Customers can enjoy up to 20% off every time they dine out.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
You must be at least 18 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit history and no payment defaults.
You must have a personal annual income of Rs. 6 Lacs and above (for both salaried and self-employed individuals).
You must have a current/permanent residential address in India.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Visit the American Express website: Look for the "American Express Gold Charge Card" and click "Apply Now."
Enter your basic information: Name, address, date of birth, contact details.
Provide financial information: Income, employment, Social Security number.
Review and submit application: Carefully review all details before submitting.
Credit check: American Express will perform a credit check to determine your eligibility.
Approval and card issuance: You'll receive a notification about your application status within a few days. If approved, your card will be mailed within a week.
सम्पर्क करने का विवरण
1800 419 2122
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: The value of 1 reward point is INR 0.50. Users will earn 1 Membership rewards point for every Rs. 50 spent except for spends at Insurance and Cash transactions, effective cashback rate: 1% and 1 Membership reward point for every Rs. 50 spent on fuel and utility. Effective cashback rate: 1%.
Customers can earn 1,000 bonus points on 6 transactions of ₹1,000 every calendar month.
Customers also get to enjoy greater flexibility with a ‘no pre-set spending limit.
Customers can redeem their points from the fabulous 18 and 24 Karat Gold Collection.
Customers can enjoy up to 20% off every time they dine out.
Charge card: Unlike a traditional credit card, user must pay balance in full each month with a charge card. This can be difficult for some people to manage.
Limited airport lounge access: The Amex Gold Charge Card does not include complimentary access to airport lounges. However, you can purchase access to individual lounges or sign up for a separate lounge membership program.
Foreign currency conversion fees: While there are no foreign transaction fees, Amex does charge a 2.7% currency conversion fee on purchases made in a foreign currency.
The American Express Gold Charge Card is a strong contender for frequent diners, grocery shoppers, and occasional travelers who appreciate luxury perks and lounge access. Its high rewards on key categories combined with travel benefits and lifestyle privileges make it a valuable option for those who can maximize its potential and offset the annual fee. However, the charge card nature and lower base rewards rate might not be ideal for everyone.
The American Express Gold Charge Card is a strong contender for frequent diners, grocery shoppers, and occasional travelers who appreciate luxury perks and lounge access. Its high rewards on key categories combined with travel benefits and lifestyle privileges make it a valuable option for those who can maximize its potential and offset the annual fee. However, the charge card nature and lower base rewards rate might not be ideal for everyone.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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