American Express Gold Charge Card vs IDBI Euphoria
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDBI Euphoria Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.4/10.
| Feature | American Express Gold Charge Card | IDBI Euphoria |
|---|---|---|
| CardTrail Score | 7.4/10 | 7.9/10 |
| Annual Fee | ₹4,500 | ₹1,499 |
| Base Reward Rate | 1% | 3% |
| Max Reward Rate | 5% | 6% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | -1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Mastercard |
When to Choose American Express Gold Charge Card
- Airport lounge access matters — 0 domestic visits
- Your primary spend is: dining, rewards
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 6% vs 5%
- Your primary spend is: travel, lounge, rewards
Annual Fee Value Analysis
To break even on American Express Gold Charge Card's ₹4,500 fee at 1% rewards, spend ₹37,500/month.
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.