Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#165 of 173 in credit

American Express

Amex Gold Charge Card

creditAmex

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value11/100 · weight 65%

≈ 0.50% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.

Fee efficiency44/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹4,500 + 18% GST
= ₹5,310 total
Annual fee: ₹4,500 + 18% GST
= ₹5,310 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
fuel	points	0.50%(1 pts @ ₹0.50)	—	—
online_spends	points	0.50%(1 pts @ ₹0.50)	—	—
dining	points	0.50%(1 pts @ ₹0.50)	—	—
travel	points	0.50%(1 pts @ ₹0.50)	—	—
groceries	points	0.50%(1 pts @ ₹0.50)	—	—
all_spends	points	0.50%(1 pts @ ₹0.50)	—	—