by American Express · Updated October 2026
A charge card with no preset spending limit and monthly bonus points.
You'll apply on the official American Express page. We never ask for your details.
1,000 bonus MR points on 6 transactions of ₹1,000+ a month
No preset spending limit
Redeem via 18K/24K Gold Collection
Taj, Marriott & dining offers
This is a charge card, so the full bill must be paid every month. No points on fuel or utilities.
Approximate value back on every ₹100 you spend.
The Amex Gold Charge Card is worth it if you spend a lot on online shopping (2.5%) and groceries (2.5%). There's no spend-based fee waiver, so make sure the benefits you'll actually use are worth more than the ₹4,500 annual fee. It's less suitable if full bill must be paid every month.
Featured in: Best Premium & American Express Credit Cards in India
Compare: Amex Membership Rewards vs Amex Gold
21–60 years (salaried), up to 65 (self-employed)
~₹6 lakh/year (approx.)
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The joining fee is ₹1,000 and the annual fee is ₹4,500 (plus GST).
No. The Amex Gold Charge Card runs on Amex, and only RuPay credit cards can be linked to UPI.
No, the Amex Gold Charge Card doesn't include complimentary lounge access.
It's best for high rewards, no preset limit. A charge card with no preset spending limit and monthly bonus points.
Approximately ~₹6 lakh/year, though the issuer makes the final decision based on your credit profile.
American Express
American Express
American Express