American Express Gold Charge Card

American Express presents the Gold Charge Card in India, a distinctive Gold Charge Credit Card alongside the Platinum Card. While the American Express Platinum Charge Card boasts superior rewards as a premium choice, both American Express Charge Cards uniquely lack pre-set credit limits. The Amex Gold Charge Card, despite being less premium, delivers exclusive privileges, especially in travel and dining. Recently revamped offers make it even more appealing, catering to shopping enthusiasts and avid vacationers alike. Experience a flexible credit limit tailored to your habits, finances, credit score, and account history.

Key Highlights of American Express Gold Charge Card

Unlock unparalleled benefits with the American Express Gold Charge Card.

1. Welcome Gift: Receive 4,000 Bonus Membership Rewards® Points.
2. First Year Fee: Rs. 1,000 + taxes (Second Year onwards: Rs. 4,500 + taxes).
3. Card Type: Charge Card.
4. Fee Structure:

  • First Year: Rs. 1,000 + taxes.
  • Second Year Onwards: Rs. 4,500 + taxes.

5. Reward Earn Rate: Earn 1 Membership Rewards Point for every Rs. 50 spent, including fuel and utilities.

Features and Benefits of American Express Gold Charge Card

The American Express Gold Charge Card offers several features and benefits:

1. Welcome Benefits:

  • Receive 4,000 Membership Rewards Points as a welcome bonus by spending Rs. 10,000 within the initial 90 days.

2. Milestone Benefits:

  • Earn 1,000 Membership Rewards Points monthly with six transactions worth Rs. 1,000 each on your American Express Gold credit card.

3. Travel Benefits:

  • $100 credit for resort activities, spas, and dining after two consecutive nights at 400+ hotels, including Hilton and Hyatt.
  • 15% off at The Leela (code: AMEXSTAY), 25% off at Pallazo Versace, and discounts at Saffron Stays and Vista Rooms properties.
  • 20% discount at Lodhi on select rooms and 25% off on spa services.

4. Dining Benefits:

  • Enjoy a 20% discount on dining bills at select partner restaurants.
  • Up to 25% off on food orders from premium establishments like The Leela, The Oberoi, Hilton, and more.
  • Up to 50% discount for up to 10 guests at The Lodhi.

5. Fuel Surcharge:

  • No fuel surcharge on transactions up to Rs. 5,000 at HPCL; 1% surcharge thereafter.
  • 1% fuel surcharge waiver at BPCL and IOCL (min. surcharge Rs. 10).
  • 2.5% surcharge waiver at other stations (min. surcharge Rs. 10).

6. Zero Cost Liability Protection:

  • Report losses within three working days for zero liability; otherwise, limited to Rs. 1,000 if reported later.

American Express Gold Charge Card Fees and Charges

Explore the fee structure for the Amex Gold Charge Card and discover the financial advantages that come with it.

  1. Initial Cost: Rs 1000 + GST
  2. Welcome Bonus: Gain 4000 Membership Reward (MR) points
  3. Yearly Cost: Rs 4500 + GST
  4. Renewal Bonus: Receive 5000 MR points upon annual fee payment (applicable only in the first year)

Eligibility Criteria for American Express Gold Charge Card

Here are essential criteria for applying for an American Express Gold Charge Card:

  1. Age requirement: Applicants must be 18 years or older.
  2. Income eligibility: Minimum annual income of Rs. 6 Lakh.
  3. Residency: Must be a resident of India.
  4. Bank account: Should possess a current or savings account in India.
  5. Creditworthiness: A good credit score with no payment defaults is essential.
  6. Self-employed criteria: If self-employed, the business should be operational for at least 12 months.

Documents Required for American Express Gold Charge Card

To apply for the American Express Gold Charge Card, you will typically need to provide the following documents:

  1. Provide a copy of your PAN card for identity verification.
  2. Submit your office address to complete the required documentation.
  3. Include details of your American Express Credit Card, if applicable.
  4. Furnish an address proof with postcode information.
  5. Share accurate contact details for seamless communication.

How to apply for American Express Gold Charge Card

Follow these steps to apply for the American Express Gold Charge Card Online:

  1. Visit the official American Express website.
  2. Navigate to the “Credit Cards” section and select “Gold Charge Card.”
  3. Click on the “Apply Now” button.
  4. Fill out the online application form with personal details, income information, and contact details.
  5. Attach necessary documents, such as proof of identity, address, and income.
  6. Review the application thoroughly before submission.
  7. Submit the application online.
  8. Await the bank’s response; they may contact you for additional information.
  9. Once approved, the card will be sent to your registered address.
  10. Activate the card as per the instructions provided.

Frequently Asked Questions (FAQs)

1. What is the American Express Gold Charge Card?

The American Express Gold Charge Card is a premium credit card that offers a range of benefits, rewards, and exclusive privileges. It is designed for individuals who seek elevated travel and lifestyle experiences.

2. What are the key features of the American Express Gold Charge Card?

The card comes with features such as Membership Rewards points for every purchase, travel benefits like airport lounge access, travel insurance, dining privileges, and more.

3. How can I apply for the American Express Gold Charge Card?

You can apply for the card online through the American Express website or by contacting their customer service. The application process typically involves submitting personal and financial information.

4. What is the annual fee for the American Express Gold Charge Card?

The annual fee varies and is subject to change. It is recommended to check the latest fee structure on the official American Express website or contact their customer service for the most up-to-date information.

5. What rewards and benefits does the card offer?

Cardholders earn Membership Rewards points for every eligible purchase, which can be redeemed for travel, merchandise, or statement credits. Additionally, the card provides access to airport lounges, travel insurance, hotel privileges, and dining benefits.

6. Is there a foreign transaction fee with the American Express Gold Charge Card?

It’s essential to review the terms and conditions, as foreign transaction fees may apply. Some premium cards, including the American Express Gold Charge Card, may offer no foreign transaction fees, but this can vary.

7. How does the Membership Rewards program work?

The Membership Rewards program allows cardholders to earn points for eligible purchases, and these points can be redeemed for various rewards, including travel, gift cards, merchandise, and more. The redemption options may vary.

8. Are there any travel-related perks with the American Express Gold Charge Card?

Yes, the card often includes travel benefits such as airport lounge access, travel insurance, hotel and car rental privileges, and other perks designed to enhance the overall travel experience.

9. What is the customer service contact information for American Express?

The customer service contact information is typically provided on the back of the card and on the official American Express website. Cardholders can contact customer service for assistance, including inquiries about the Gold Charge Card.

10. Can I manage my American Express Gold Charge Card account online?
Yes, cardholders can usually manage their accounts online through the American Express website or mobile app. This includes checking balances, viewing statements, making payments, and accessing other account-related services.