American Express Gold Charge Card
Joining Fee: ₹1,000 + GST
Renewal Fee: ₹4,500 + GST
Reward Type: Reward Points
Welcome Offer
Bonus Points: 4,000 Membership Rewards Points on spending ₹10,000 within the first 90 days.
Rewards Program
Earning Points
1 Membership Reward Point per ₹50 spent.
1 point per ₹50 on utilities and fuel (capped at 10,000 and 5,000 points respectively).
5X points for purchases through the Rewards Multiplier portal (e.g., Flipkart, Apple).
No Points: Earned on insurance premiums and cash transactions.
Milestone Rewards
Monthly Points: Earn 1,000 Membership Rewards Points each month by completing six transactions of ₹1,000 or more.
Travel Benefits
Hotel Credits: $100 credit for resort activities, spas, and dining on stays of two consecutive nights at over 400 hotels, including Hilton and Hyatt.
Discounts
15% off at The Leela (promo code AMEXSTAY).
25% off at Pallazo Versace.
Up to 20% off at Saffron Stays properties.
Up to 15% off on two-night stays at Vista Rooms.
20% off on select rooms at Lodhi; 25% off on Spa services.
Dining Benefits
Restaurant Discounts: 20% off at select partner restaurants.
Order-In Discounts: Up to 25% off from The Leela, The Oberoi Gurgaon, The Lodhi, Hilton, Accor, Roseate, and Qmin.
Group Dining: Up to 50% off for up to 10 guests at The Lodhi.
Fuel Surcharge Waiver
HPCL Pumps: No surcharge on transactions up to ₹5,000; 1% surcharge beyond ₹5,000.
BPCL & IOCL: 1% waiver, with a minimum surcharge of ₹10.
Other Stations: 2.5% waiver, with a minimum surcharge of ₹10.
Zero Liability Protection
Loss Reporting: Zero liability if reported within three working days. Beyond that, the liability is capped at ₹1,000.
Reward Redemption
Options
Use points for INSTA purchases, e-vouchers, or credit card bill payments (Cash + Points scheme).
Transfer to air miles and hotel loyalty programs like British Airways Executive Club, Asia Miles, Club Vistara, Emirates, Skywards, Finnair Plus, InterMiles, Qatar Privilege Club, Etihad Guest, Singapore KrisFlyer, Virgin Points, Hilton Honors, Marriott Bonvoy.
18 & 24 Karat Gold Collection
18 Karat Gold (18,000 Points):
Taj Voucher: ₹9,000
Amazon Gift Card: ₹7,000
Myntra Voucher: ₹8,000
Flipkart Voucher: ₹7,000
Shoppers Stop Voucher: ₹8,000
24 Karat Gold (24,000 Points):
Tanishq Diamond Jewelry Voucher: ₹10,000
Vistara Voucher: ₹11,000
Flipkart Voucher: ₹9,000
Shoppers Stop Voucher: ₹11,000
Taj Voucher: ₹14,000
Amazon Gift Card: ₹9,000
Summary
Like many American Express credit cards, this card offers a solid rewards rate of 1 Membership Rewards Point per ₹50 spent. Recent updates to its offers and discounts have enhanced its appeal in the sub-premium segment, making it especially attractive for frequent flyers and dining enthusiasts. With a range of travel and dining benefits, it stands out as a great choice for those who frequently travel or enjoy dining out with friends and family.