American Express · Mid
Amex Gold Charge
Earns Amex Membership Rewards (India)
Where it ranks across all 187 cards
#18 EMI
1.0%
direct
#19 Wallet load
1.0%
direct
#25 Education
1.0%
direct
#33 Utility bills
1.0%
direct
#45 Jewellery & watches
1.0%
direct
#52 Gaming
1.0%
direct
#57 Mobile / broadband
1.0%
direct
#66 Train tickets
1.0%
direct
#68 Cabs & transit
1.0%
direct
#71 Other
1.0%
direct
#73 Health & pharmacy
1.0%
direct
#76 Electronics
1.0%
direct
#84 Hotels
1.0%
direct
#84 Movies & events
1.0%
direct
#84 Fashion
1.0%
direct
#85 Online shopping
1.0%
direct
#85 Food delivery
1.0%
direct
#85 Flights
1.0%
direct
#87 Groceries
1.0%
direct
#91 Dining out
1.0%
direct
#20 Government / tax
0.1%
direct
30 Sep 2026
From 30 Sep 2026, extra points on purchases at select brands end. Extra points through ShopWise vouchers continue.
1 Aug 2026
Amex India is currently not accepting new card applications.
Get an email if this card changes - sign in.
Points valued at ₹0.5/pt - conservative, what rankings use · transfers reach up to ₹1.52/pt via Virgin Atlantic Flying Club at 5:4
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹50
source
Source: Amex Gold Charge MITC - americanexpress.com - read 20 Aug 2026
1,000 bonus MR on 6×₹1,000 txns/month
1.00%this rule
1 pt / ₹50
how it works & source
Six ₹1,000+ transactions a month earn 1,000 bonus MR - the Gold Charge play. No pre-set spending limit (charge card: pay in full monthly).
Source: Amex Gold Charge T&C - americanexpress.com - read 20 Aug 2026
Base rate, but capped1
Utilities earn 1 MR/₹50, capped 10,000 pts/month
base rate
source
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
ShopWise vouchers 5X (continue past 30 Sep 2026 per Amex - rate to re-check)
voucher route via amex travel
source & note
RM T&C table lists Gold Card in the 5X column (5/₹50) - corrected from our 3X. Program validity printed through 31 Aug 2026. ShopWise portal itself displays: Earn 5X Rewards on American Express Gold Card (seen 2026-08-22).
Source: ShopWise catalog + card-multiplier table (public) - shopwise.giftstacc.com - read 22 Aug 2026
5.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Virgin Atlantic Flying Club
5:4 ratio
8,000 ptsworth ₹5,600-₹15,200
Hilton Honors
2:3 ratio · The rare better-than-1:1 route.
15,000 ptsworth ₹5,250-₹7,500
Marriott Bonvoy
1:1 ratio
10,000 ptsworth ₹4,500-₹6,500
Singapore Airlines KrisFlyer
2:1 ratio
5,000 ptsworth ₹4,000-₹12,500
British Airways Executive Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Qatar Airways Privilege Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Cathay Asia Miles
2:1 ratio
5,000 ptsworth ₹3,500-₹10,000
Amex India lists exact partners/ratios only after login; transfers are irreversible and process within hours. 18% GST applies on some conversions - check at redemption.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel: no MR points effective 12 Jun 2025 (MR T&C - categories only, no MCC codes published).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Insurance
earns nothing
Insurance: no MR points (MR T&C Section III.1(a)).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.