so just tell customer care that you have a big purchase coming up and want that to book an EMI but unfortunately you can't do that on the gold card since its not a credit card, you could spin this off 2 ways, first situation is where in you have closed the MRCC already, the other situation is where in you ask them to convert existing MRCC to a companion card. This will work since you cannot make EMI purchases on a charge card! Hence the companion card 😉
I tried situation 1 and it worked for me although this is years ago, but from what I hear they are giving MRCC companion even on the travel card, so heck why not on the gold charge card. You could close the MRCC and try if the former doesn't work