American Express
The American Express Gold Card
The The American Express Gold Card is a travel credit card from American Express. It has an annual fee of AED 674.82, and needs a minimum salary of AED 23,000 a month.
Annual fee
AED 674.82
Joining fee
Free
Min. salary
AED 23,000/mo
Rewards in
Membership Rewards Points
Material
Plastic
Card highlights
- Earn 1 Membership Rewards Point per USD 1 (AED 3.67) on all purchases, no category restrictions
- Points transfer to 14 airlines (Emirates Skywards at 2:1, Avios, Etihad) and 4 hotel programmes (Marriott Bonvoy 1:1)
- 8 complimentary Priority Pass lounge visits per year across 1,300+ lounges in 140+ countries
- Retail protection up to USD 1,500 per claim plus travel inconvenience cover on card-charged trips
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.54% |
| Retail | 1.54% |
| Supermarket | 1.54% |
| Dining & food | 1.54% |
| Fuel | 1.54% |
| Transport | 1.54% |
| Online shopping | 1.54% |
| International spend | 1.54% |
| Utilities | 1.08% |
| Education | 0.38% |
| Real estate | 0.15% |
Current welcome offer
Earn 10,000 Membership Rewards points upon card activation
Benefits & perks
- •8 complimentary Priority Pass lounge visits per year (1,300+ lounges in 140+ countries)
- •Retail protection insurance: up to USD 1,500 per occurrence and USD 40,000 per year for 90 days on eligible purchases
- •Travel inconvenience insurance: missed departures, flight delays, cancellations and luggage delay
- •Membership Rewards points transferable to 14 airline partners (Emirates Skywards, Etihad Guest, BA Avios and more)
- •Membership Rewards points transferable to 4 hotel partners including Marriott Bonvoy
- •Redeem Membership Rewards points for gift vouchers, merchandise, hotel stays or Pay with Points
- •Up to 9 supplementary cards for family members aged 15+, with same card benefits
- •Exclusive dining, shopping, entertainment and travel offers via Amex Offers
- •Zero liability fraud protection guarantee
- •No pre-set spending limit: spending ability adjusts based on usage and financial profile
About this card
- •4 Priority Pass lounge visits: AED 1,908
- •Retail protection insurance: AED 300
- •Travel inconvenience insurance: AED 200
- •Amex Offers savings: about AED 300
- •24/7 concierge and fraud protection: AED 100
Every card is checked against official bank sources. Last updated July 2026.
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More from American Express
The American Express Gold Credit Card
- Earn 1 Membership Rewards Point per AED 4 on all eligible spend, points never expire
- Transfer points to 14 airline partners including Emirates Skywards, Etihad and BA Avios
Updated July 2026
The American Express Platinum Credit Card
- Earn 2 Membership Rewards Points per AED 4 (0.5 pts/AED) on all spend, points never expire
- Transfer points to 14 airline partners (incl. Emirates Skywards, BA Avios, Etihad) and 3 hotel partners
Updated July 2026
The Platinum Card
- Earn 1 Membership Rewards Point per AED 4 on all spend, transfer to 14+ airline and hotel partners including Emirates Skywards (2:1)
- Unlimited lounge access to 1,300+ lounges and 30 Centurion Lounges for primary and supplementary cardmember
Updated July 2026
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