The American Express Gold Credit Card is a cash back credit card that also provides travel, shopping, and other benefits. Both self-employed and salaried individuals can apply for the card. Up to 9 supplementary credit cards are free with the card with the same benefits as the main card.
Get AED 1 for every AED 100 spent on the card making it 1% money back.
Supplementary cards will also earn reward points at the same rate.
The cash back will be credited back to the credit card account.
Features
Free airport lounge access 5 times a year to Priority Pass lounges for the primary cardholder and one supplementary cardholder.
Free travel accident insurance worth AED 350,000.
Fraud Protection Guarantee feature safeguards cardholders against credit card fraud or theft.
Up to 9 free supplementary credit cards for immediate family members of age 12 years and above with the same benefits.
Additional Benefits
Free virtual credit cards up to 6 – one for the primary cardholder and 5 for the supplementary card users.
Up to 40% credit limit can be utilized for cash withdrawal.
Interest-free period up to 56 days.
Travel Inconvenience Insurance covers up to AED 750 for delayed/canceled/denied boarding flights, up to AED 750 each for missed connections and luggage delay, up to AED 4,000 for lost luggage, and up to AED 350,000 for travel accident insurance.
Retail protection insurance covers up to AED 3,000 per insured and AED 180,000 per card member in any 1 year period.
Purchase protection for up to 90 days for the items purchased with the card against theft, loss, or accidental damage.
Fees & Charges
Supplementary Annual Fee: Free for first 9 cards
Late Payment Fee: AED 230 (AED 241.5 including VAT)
Over limit Fee: AED 275.5 (AED 290 including VAT)
Cash Advance Fee: 3% or AED 100, whichever is higher
Addition Information
Cardholders can use Priority Pass Mobile App to get easy access to more than 1,400 airport lounges across 140 countries.
If the number of accompanying guests exceeds the limit an incremental fee of $35 per person will be charged.
Virtual credit card can be set up instantly under the existing Card account and can be used to conduct online shopping and contactless payments.
With virtual credit cards, cardholders can set limits, add them to digital wallets, and use the card in the absence of the physical card.
Manage the credit card digitally using the Amex MENA app and Online Services. Cardholders can activate the card, check recent transactions and statements, check membership rewards points, redeem the points, apply for supplementary cards, and do much more.
