The American Express Gold Charge earns in MR Points, which this calculator values at ₹0.5 per point. Base earn rate is 2% value back, the annual fee is ₹4,500 + GST, and forex markup is 3.5%.
The American Express Gold Charge earns no rewards on Fuel, Utilities, Insurance, Govt & Tax. Put that spend on another card.
1,000 bonus MR every month you do 6 transactions of ₹1,000 - that habit, plus 18K/24K Gold Collection redemptions, is the entire play.
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