American Express Gold Charge Card Review

By | February 13, 2021

You might have been thinking why we have written charge card instead  of credit card? But let me clear you that the card provided by American Express is a charge card and not a credit card. Most of the people here in India think that they only have different names, nothing much. But wait! this is not true. 

There is a difference between charge card and credit card. In credit cards you have a prescribed limit, you can only spend the limit allotted to you.

 But in charged cards there is no pre-limit, you can spend according to your requirement, but it doesn’t allow you to convert your spendings to EMIs or move on just by paying minimum dues. 

American Express Charge Card

American Express Charge Cards include privileges that are designed to enhance every aspect of your jetsetter life, such as air miles, hotel accommodation, and shopping vouchers. They also offer complimentary elite tier membership, hotel room upgrades, access to exclusive benefits, and much more. All you need to do to earn these amazing rewards is to simply use the card. 

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Annual Fee

First Year fee : Rs.1,000 plus applicable taxes
Second Year onwards : Rs.4,500 plus applicable taxes

Reward Rate  

Earn 1 Membership Rewards Point for every Rs.50 spent except for spend at Fuel, Insurance, Utilities and Cash Transactions
Enjoy the flexibility to redeem your Points from over 500+ exciting redemption options. Including leading airlines and hotels, electronics and more.
Redeem Points from the fabulous 18 and 24 Karat Gold Collection

Apply Now

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For working individual

Should be over 18 years of age
Have a good credit history and no payment defaults 
Have a Personal Annual Income of INR 6 Lakhs and above.
Is a Resident Indian as defined under the Income Tax Act of India

For self employed individuals

The company has been trading for more than 12 months
Have an Indian or multinational bank’s savings or current account in India
Should have current residential address in India

 American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Bhopal, Bhubaneshwar, Ernakulam, Vijaywada & Vizag  subject to conditions. 

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Travel Benefits

Enjoy access to valuable travel benefits under The Hotel Collection enjoy a room upgrade (where available) and a US$100 hotel credit when you stay two consecutive nights at over 400 hotels worldwide including Hilton Hotels, Intercontinental and Hyatt Hotels. 

American Express Dining Offers

You can get benefits upto 20% every time you select to dine with a dining partner. 

Services provided to gold card holders

24X7 Card Related Assistance
Dispute Resolution
Zero lost Card liability
Emergency Card Replacement
Two Supplementary Gold Cards at no additional cost.
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How to apply for charge card

Just follow these steps to apply for your Amex Charge Card online:

  1. Select the right charge card for you. Currently, the Amex Charge Cards being offered are American Express® Platinum Card and American Express® Gold Card . Follow their links to know more about them.
  2. Once you have selected the card best suited to your lifestyle, click ‘Apply Now’ on the respective page.
  3. You will see the additional eligibility criteria for the card. If you qualify them, proceed to fill in your personal information in the given form.
  4. After filling your personal, financial, and additional information, it will allow you to review the form and submit. All the information that you enter here is safe and stored securely.
  5. Once submitted, you will see a message on the computer screen confirming the same. You will also receive an acknowledgement email from American Express within one working day, along with the next steps.
  6. Congratulations! You are all set to receive your American Express Charge Card subject to the approval of your application.
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American express cards are not accepted everywhere and this is one of the biggest drawbacks this has. Most of the merchants don’t accept Amex cards. Few who accept charges a fee that is higher as compared to visa and mastercard holders. So you’re suggested to check the acceptability of the card and also try to keep any backup card in case, if required. 

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What is the credit limit on my Credit Card?

You will be informed of your credit limit when you are issued your Card. You can Log on to Online Services to access information on your Card account, including your credit limit information or check your available credit limit on the Amex App. Also refer to your account statement to check the credit limit on your Credit card.

What happens when I temporarily block my card?

Temporarily blocking your Card prevents it from being used for new purchases. However, recurring bills, such as subscriptions or monthly bills, will post to your account as usual. Also, your Card can still be used for digital wallet transactions, and some online purchases at merchants where your Card is on file. Offline authorizations, and delayed authorizations will also still post. Your Card will be unblocked automatically, 7 days after you first block your Card.

What are the different benefits available on my Card?

American Express Cards offer you benefits related to travel, dining, insurance, offers and more. To discover benefits specific to a Card, visit the Benefit Center. 

Can I use my card abroad ?

Yes, you can. You will be charged 3.5% of the transaction amount as a mark-up fee for foreign currency transactions

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