American Express Gold Charge Card: The American Express Gold Charge Card, a Charge Credit Cards offered by AmEx with a good value back on your purchases in the form of reward points. This credit card offers you great deal in different categories such as, on traveling, dining, lifestyle and many more.
Not just this, this credit card also let you enjoy other privileges like additional cashback, exclusive benefits at top hotels, dining discount and much more. Therefore, here in this article we are going to see the benefits and features provided by the American Express Gold Charge Card and the eligibility to apply for the same.
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1. American Express Gold Charge Card Features and Benefits
The American Express Gold Charge Card let you earn reward points for various categories for various brands, product purchases, and so on.
Here we have mentioned the features and benefits offered by the American Express Gold Charge Card:
- Welcome Benefits: As a Welcome Benefit, you get 4,000 Membership Rewards Points on spending Rs. 10,000 within 90 days with this credit card.
- Milestone Benefits: On completing 6 transactions, you get 1,000 Membership Rewards Points every month worth Rs. 1,000 each during each calendar month on your American Express Gold credit card.
- Travel Benefits: As a travel benefits, you get $100 credit to spend on resort activities, spa, dining, etc. at hotels in the Hotel Collection, you also get 15% off on the best available room rate/breakfast at The Leela, get 25% discount on your stay at Pallazo Versace, also get upto 20% off on all Saffron Stays properties, get upto 15% off on booking at least 2 nights stay at Vista Rooms properties and also get 20% discount at Lodhi on select room categories and 25% off on Spa services.
- Dining Benefits: On dining bills at select partner restaurants, get 20% discount, get upto 25% off on order-ins from The Leela, The Oberoi Gurgaon, The Lodhi, Hilton, Accor, Roseate, and Qmin and also get upto 50% discount for up to 10 guests at the Lodhi.
- Fuel Surcharge Waiver: On your fuel transactions at HPCL fuel stations exceeding Rs. 5,000, cardholders will get a fuel surcharge waiver of 1%, fuel surcharge applicable on all transactions at all non-HPCL stations.
- Zero Liability Protection: You are not liable to fraudulent transactions made with the card in case of timely reporting i.e., within 3 days about the theft or loss of the card.
- Reward Points: You will earn 1 Reward Point on spending Rs. 50 using the card, you can also earn 1 Membership Rewards Points every time you spend Rs. 50 on utilities and fuel, but the Points are capped at 10,000 and 5,000 Points respectively for the two categories and can also earn 5X Membership Rewards Points for every purchase through the Rewards Multiplier portal.
Check, American Express SmartEarn Credit Card
2. American Express Gold Charge Card Fees and Charges:
- The Joining fee charges are- Rs. 1,000+ Taxes
- The Annual fee or Renewal fee charges are- Rs. 4,500 + Applicable Taxes (Waived off on spending Rs. 40,000 and above in the previous year of Cardmembership).
- The Cash withdrawal fee, Rs. 250 or 3.5% of the withdrawn amount.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 3.5% per month (42% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
3. American Express Gold Charge Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for American Express Gold Charge Card are as follows:
- The age limit for applying for this card is 18 years of age.
- The cardholder should be an Indian resident and an excellent credit score i.e., 750 with savings or current account in India.
- And should be resident of the cities- Delhi/NCR, Mumbai, Chennai, Bangalore, Pune, Hyderabad, Indore, Jaipur, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Mysuru, Trivandrum and Nasik.
- The cardholder should be either through salary with the annual income of Rs. 6 lakh or self-employment with atleast Rs. 6 lakh and above per annum and must have filed an income tax return of at least Rs. 6 lakh in the previous year and an at least 12 years old company.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for American Express Gold Charge Card:
For American Express Gold Charge Card you can apply either online or offline. To apply for the offline mode you have to visit the near by bank branch and fill the physical credit card application form and provide the necessary documents.
And to apply online mode, you need to visit the official website of the bank i.e., www.americanexpress.com and search and select the Gold Credit Card and fulfill the application with required information.
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