American Express
The American Express Gold Credit Card
The The American Express Gold Credit Card is a rewards credit card from American Express. It has an annual fee of AED 414.75, and needs a minimum salary of AED 15,000 a month.
Annual fee
AED 414.75
Joining fee
Free
Min. salary
AED 15,000/mo
Rewards in
Membership Rewards Points
Material
Plastic
Card highlights
- 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
- 5 complimentary Priority Pass lounge visits per year at 1,200+ lounges worldwide
- Travel accident insurance up to AED 350,000 plus purchase protection up to AED 3,000
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.41% |
| Retail | 1.41% |
| Supermarket | 1.41% |
| Dining & food | 1.41% |
| Fuel | 1.41% |
| Transport | 1.41% |
| Online shopping | 1.41% |
| International spend | 1.41% |
| Utilities | 0.99% |
| Education | 0.35% |
| Real estate | 0.14% |
Current welcome offer
Earn 15,000 Membership Rewards points on card approval
Benefits & perks
- •5 complimentary airport lounge visits per year via Priority Pass at 1,200+ lounges worldwide
- •Up to 9 supplementary cards for immediate family members (aged 15+)
- •Retail protection insurance: theft or accidental damage cover for 90 days, up to AED 3,000 per occurrence
- •Worldwide travel accident insurance up to AED 350,000 when travel is charged to the card
- •Points transferable to 14 airline partners (Emirates Skywards, Etihad Guest, British Airways Avios and more)
- •Points transferable to 3 hotel partners
- •Membership Rewards points never expire
- •Exclusive dining, shopping, entertainment and travel offers via American Express Selects
- •Additional targeted offers on dining, retail and lifestyle via Amex Offers
- •Fraud protection guarantee on unauthorised charges
About this card
- •5 lounge visits per year: about AED 587
- •Retail protection insurance: about AED 150
- •Travel accident insurance: about AED 200
- •Amex Selects discounts and fraud protection: about AED 150
Every card is checked against official bank sources. Last updated July 2026.
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More from American Express
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 American Express Gold Card
- 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)
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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