American Express
The American Express Gold Credit Card
The American Express Gold Credit Card is a rewards credit card from American Express. It has an annual fee of AED 514.50, and needs a minimum salary of AED 15,000 a month.
Annual fee
AED 514.50
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 spent (reduced rates on real estate, education, telecom and government payments)
- Transfer points to 13 airline partners including Emirates Skywards and British Airways Avios, or redeem for hotel nights and merchandise
- Up to 5 complimentary airport lounge visits a year via Priority Pass, shared with an enrolled supplementary cardmember
- Travel insurance: up to AED 350,000 accident cover, AED 4,000 lost luggage, AED 750 per flight disruption event
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% |
| Education | 0.35% |
| Utilities | 0.23% |
| Real estate | 0.14% |
Current welcome offer
Earn 15,000 welcome Membership Rewards points
- 15,000 points for spending USD 2,000 within 90 days
- Enrol in Membership Rewards, pay the annual fee, and make 1 transaction within 30 days of activation
- New Amex cardmembers only, apply online or via the Amex MENA app by 31 December 2026, and must not have held a basic Amex UAE card in the past 6 months
Expected offer expiry: December 2026
Benefits & perks
- •Complimentary airport lounge access via Priority Pass: up to 5 visits per year (shared with enrolled supplementary cardmember)
- •Travel accident insurance: up to AED 350,000
- •Lost luggage cover: up to AED 4,000
- •Travel inconvenience cover: up to AED 750 per incident (flight delay, cancellation, missed connection and more)
- •Retail protection insurance: up to AED 3,000 per occurrence and AED 180,000 per year
- •Membership Rewards points transferable to 13 airline partners (including Emirates Skywards and British Airways Avios) and redeemable at hotels worldwide
- •Membership Rewards points redeemable for merchandise across fashion, electronics and more
- •Up to 9 free supplementary cards
- •Virtual cards: up to 6 at no extra cost, with customisable spending limits
- •Plan It instalment plan: split purchases over 3, 6, 9 or 12 months
- •Exclusive offers and experiences via Amex Offers on the Amex MENA app
- •Fraud protection guarantee: zero liability for unauthorised charges
About this card
- •5 lounge visits per year: AED 587
- •Retail protection insurance: AED 150
- •Travel accident insurance: AED 200
- •Amex Offers and fraud protection: AED 150
- •Total estimated annual value: AED 1,087
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the American Express The American Express Gold Credit Card earn?
An Amex Gold credit card sold as a Membership Rewards version (AED 414.75 a year plus an AED 99.75 yearly rewards fee) earning 1 point per AED 4 on most spending, about 1.41% at Perkly's valuation; its 1% Money Back version (AED 309.75 a year, 1% on all purchases) is kept for existing cardmembers only. Both get 5 Priority Pass visits a year shared with a supplementary cardmember.
What does the American Express The American Express Gold Credit Card cost?
Membership Rewards version: annual fee AED 414.75 including VAT (AED 395 before VAT), plus a separate Membership Rewards fee of AED 99.75 a year including VAT (AED 95 before VAT), charged when you enrol in Membership Rewards; Perkly counts the yearly cost as both together, AED 514.50. 1% Money Back version: annual fee AED 309.75 including VAT (AED 295 before VAT). Both versions: no joining fee, and supplementary cards are free, up to 9. Both versions: interest is 43.20% a year, and cash withdrawals are limited to 40% of the credit limit.
What does spending abroad cost on the American Express The American Express Gold Credit Card?
Spending in a currency other than the card's billing currency costs 3.087% all in (2.94% plus VAT); American Express runs its own network, so no separate scheme charge is added. Spending abroad earns the same rate as at home on both versions.
What should I watch out for with the American Express The American Express Gold Credit Card?
Amex no longer takes new applications for the 1% Money Back version of this card (kept for existing cardmembers, checked 5 Oct 2026); new applicants get the Membership Rewards version. On the Membership Rewards version, points need the separate AED 99.75 Membership Rewards fee, so the real yearly cost is AED 514.50. On both versions the 5 Priority Pass visits a year are shared with a supplementary cardmember; once the visits or accompanying guests are used up, Amex charges USD 35 per person.
More from American Express
American Express Card
- Earn 1 Membership Rewards point per USD 1 on eligible purchases (250 points = USD 1)
- Points never expire while your account is active, redeemable with airlines, hotels, brands and Pay with Points
Updated November 2026
American Express Platinum Credit Card
- Earn 1 Membership Rewards Point per AED 2 on eligible purchases, transferable to 13 airlines including Emirates Skywards and British Airways Avios
- 12 Priority Pass lounge visits a year for the primary cardmember, 8 for 1 supplementary cardmember (guests share the allowance)
Updated November 2026