AMEX
Gold Charge Card Credit Card
Good fit when rewards, fees, and forex fit your spend pattern — ₹4,500 annual fee.
- Moderate rewards 2 pts / ₹100 on General spend (Earn 1 Membership Rewards Point per ₹50 except f…
The catch Forex markup is 3.5%, so this can get expensive for frequent international spends.
- Waiver condition missing
- Annual fee known
- Forex markup known
- No lounge access
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹4,500 higher than 84 of 112 cards
- Joining fee
- ₹1,000
- Forex markup
- 3.5% the standard rate (matches 66 cards)
- Lounge access
- No complimentary lounge access
- Reward rate
- 2 pts / ₹100
Not a fit for
- No domestic lounge access
Still worth it?
Evidence-backed snapshotGood fit if
No clear positive signal from resolved fields yet.
Verify before applying
- Annual fee known
- Waiver condition missing
- Forex markup known
- No lounge access
- Welcome benefit timing and claim process.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 2 points per ₹100. Some reward rules exclude fuel spends. Still verify remaining caps, redemption rules, and point value.
Next best move
Is this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward value is not fully resolved in the current snapshot.
Reward reality
Point value · limits · exclusionsReward rules
Structured earn rates · eligibility · caps when they bindEstimated usage
Example usage at this monthly spend
- At this monthly spend, you'd earn: ~1,000 pts/month (base earn · uses base/general earn rate)
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsLounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- Not included
Rewards
- Points per ₹100
- 2 pts · verified 9 Jul 2026 value depends on redemption
Redemption value
- You earn
- Reward Points
- Gold Collection (18k)
- ₹0.33 per Reward Point
- Gold Collection (24k)
- ₹0.33 per Reward Point
Insurance Cover
- Air accident cover
- ₹30 lakh · verified 9 Jul 2026
- Underwriter
- Insured by ICICI Lombard General Insurance Company Limited · verified 9 Jul 2026
Fees
- Annual fee
- ₹4,500
- Joining fee
- ₹1,000 · verified 9 Jul 2026
International Use
- Forex markup
- 3.5%
2 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Premium
Fuel Benefits
At the pumpNo verified fuel benefit available.
Annual fee break-even math
When does this card pay for itselfAnnual fee is ₹4,500 and a clean break-even threshold is not clearly specified in the current snapshot.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refreshThese spends do not earn reward points.
Financial
- Fuel
- Insurance premiums
- EMI
- Cash transactions
Utilities
- Utilities
- Annual fee: ₹4,500.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.