I am using this American Express gold card. One word " NEVER GO FOR IT" . It just has a big label attached to it wherein you can even use it for more then 90 k credit and its a charge card which is being sold by these frauds as a credit card .
You cannot convert certain payments into EMI in even normal amex cards. You basically are not aware of how much you can charge the card for. Read about charge cards before you give your pan details to these cheats. I have payed all my bills almost fifteen days in advance every time. I have sent a request to close this credit card.
Regards