American Express Gold Charge Card Review

By | February 13, 2021

You might are 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 can not be 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 are designed to enhance every aspect of your rich life, such as air miles, hotel accommodation, and shopping vouchers. They also provides elite tier membership, hotel room upgrades, access to exclusive benefits, and much more. All you are required to do to is to earn these amazing rewards by simply using the card. 

american express

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 RP every Rs.50 spent.
Enjoy the flexibility to redeem your Points from over 500+ exciting redemption options. Including leading airlines and hotels, electronics and more.
You can redeem points against the fabulous 18 and 24 Karat Gold Collection

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american express


For working individual

Should be over 18 years of age
Should have a good credit history and no defaults in re-payment
Annual Income is required to be more than 6 lakhs

For self employed individuals

The company has been in working mode from more than 12 months
Should have current residential address in India
american express

Travel Benefits

Enjoy access to noteworthy travel benefits under The Hotel Collection. Enjoy a room upgrade ; as per availability, and a US$100 hotel credit when you stay two continuous nights at 400+ hotels worldwide.

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.
american express
american express


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?

Credit card limit is known to you when the card is issued. Also you can refer to your credit statement for checking credit limit

What happens when I temporarily block my card?

On blocking card temporarily you are not able to make any transactions via it. However, all your EMI’s and bills associated with the card is payable by you.

Can I use my card abroad ?

3.5% of foreign transaction fee is levied on using charge card abroad.

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