What is the annual fee for the American Express Gold Charge?

The annual fee for the American Express Gold Charge is ₹4,500.

Does the American Express Gold Charge offer airport lounge access?

The American Express Gold Charge does not include complimentary airport lounge access.

What rewards does the American Express Gold Charge earn?

It earns 1% on eligible spends as Membership Rewards.

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Gold Charge — American Express Credit Card | Card Manager

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AMEX

Premium

•••• •••• •••• 0000

Gold Charge

AMEX

Gold Charge

American Express • American Express• Premium

catalog

Annual Fee

₹4,500

Base Reward Rate

1.00%

Foreign Tx Fee

3.5%

Tier

Premium

Joining Fee

₹1,000

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹50

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹30

Annual earnings

₹5,880

Blended 0.94% effective return

Monthly spend₹52,000

Monthly earnings+₹490

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Charge card (no preset limit; full payment monthly). 4K+2K MR pts welcome (referral). No complimentary lounge access despite premium fee.

Benefits & Perks

Rewards

1 Membership Rewards ≈ ₹0.40–₹1 depending on redemption (cashback → flights/transfer).
value range
1% base reward rate on all eligible spends. 1 MR pt/₹50.
1.00%medium
Utility: 1%
1.0% · cap 10,000/momedium

Fuel: 1%

1.0% · cap 5,000/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None

Payments

Joining fee: ₹1,000. Annual: ₹4,500.
₹4,500
Milestone: spend ₹6,000/month → 1,000 Bonus Membership Rewards Points on completing six transactions of ₹1,000 or above in a calendar month
+₹1,000 valuehigh