The Blues centre-back was shown his fifth yellow card of the season by match referee Chris Foy for an innocuous looking challenge on Addicks striker Shaun Bartlett 35 minutes into the 3-1 defeat at The Valley.
The England defender will now be forced to sit out Blues next game against Fulham at St Andrew's next saturday.
Midfielder Damien Johnson also picked up a second half caution in the game at The Valley - his fourth of the campaign.
YELLOW CARDS:
Robbie Savage - 5
Matthew Upson - 5
Emile Heskey - 4
Damien Johnson -4
David Dunn - 4
Muzzy Izzet - 3
Darren Carter - 3
Darren Anderton -2
Martin Taylor - 1
Stan Lazaridis - 1
Mario Melchiot - 1
Jesper Gronkjaer - 1
Stephen Clemence - 1
Olivier Tebily - 1
RED CARDS:
Robbie Savage - 1
(Issued on tv replays post Chelsea home game)
Damien Johnson - 1 (Charlton, home)
Muzzy Izzet - 1 (Everton, home)