Rewards
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 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 spent, points never expire and no cap on earnings
- Transfer points to 14 airline partners (including Emirates Skywards, Etihad Guest, British Airways) and 3 hotel partners
- Up to 5 complimentary Priority Pass lounge visits a year, shared with a supplementary cardmember
- Travel accident cover up to AED 350,000 and travel inconvenience cover up to AED 750 per incident
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 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 supplementary cardmember)
- •Travel accident insurance: up to AED 350,000 cover
- •Lost luggage insurance: up to AED 4,000
- •Travel inconvenience insurance: 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
- •Up to 9 supplementary cards at no extra cost
- •Membership Rewards points transferable to 14 airline partners (Emirates Skywards, Etihad Guest, British Airways and more)
- •Membership Rewards points transferable to 3 hotel partners
- •Membership Rewards points redeemable for merchandise across fashion, electronics and more
- •Membership Rewards points never expire with no cap on earnings
- •Save up to 50% on hotel stays and 10% off all bookings via the Unravel travel platform
- •Exclusive offers and experiences via Amex Offers on the Amex MENA app
- •Virtual cards: up to 6 at no extra cost with customisable spending limits
- •Plan It instalments: split purchases over 3, 6, 9 or 12 months
- •Fraud protection guarantee: zero liability for fraudulent 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 September 2026.
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