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American Express Gold Credit Card Features & Benefits

By PolicyBazaar
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Published: 16 October 2019Last Updated On: 15 January 2021

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Whether sitting at the comfort of your home or anywhere else in the world, you can enjoy exclusive perks & privileges with the one and only American Express Gold Credit Card.

Loaded with exceptional features and benefits, this credit card helps you to manage your expenditure easily & conveniently. With this American Express card, you can gain 1 point for every dollar spent through the membership rewards programme. In addition to this, you can avail of various local and global offers with the American Express Selects programme.

Key Highlights of the American Express Gold Credit Card

  • Minimum Monthly Income Required: 15,000 dirhams
  • Annual Fee: 395 dirhams
  • Membership Rewards Annual Charge: 95 dirhams
  • Annual Rate of Interest: 30 percent

What Are the American Express Gold Credit Card Features That I Can Get?

The American Express Gold Credit Card offers the following features:

Online Access

This credit card offered by the American Express provides easy access to online banking to make your personal banking experience smoother. With online services, you can easily activate your card, request for an add-on/supplementary card, update your personal or contact details, set alert preferences for email & SMS, and much more.

American Express Android & iPhone App

As a member of this credit card, you can enjoy the convenience and ease of accessing your account with the improved ‘American Express Middle East App’.


This credit card is protected with comprehensive global insurance policies since your card is a key to peace of mind when shopping or travelling. You can avail the following coverage with this card:

  • ‘Retail protection insurance’of a maximum of 3000 dirhams
  • ‘Travel accident insurance’of a maximum of 350,000 dirhams
  • ‘Travel inconvenience insurance’of a maximum of 4000 dirhams

What Are the American Express Gold Credit Card Benefits To Avail?

The American Express Gold Credit Card offers a wide range of exclusive benefits and privileges. Here is the list of its key benefits:

Supplementary Cards

You can enroll any of your eligible family members for up to nine complimentary supplementary American Express Gold Credit Cards.


Every time you make any purchase using this card, from booking holiday tickets to buying groceries at the supermarket, you can earn ‘1 Membership Rewards Points’ on each USD 1 spent (or equivalent to domestic currency). The best thing is that these rewards points have no expiry date. So, accumulate them by making daily transactions and redeem these points for a range of travel and lifestyle rewards.

Travel Benefits

With this American Express Credit Card, you can avail of a complimentary airport lounge access across the world. In addition to this, this benefit is also extended to one of your add-on/supplementary cardholders. Thus, you can enjoy the below-mentioned priority pass benefits:

  • You can enjoy 5 free visits to Priority Pass lounges per annum.
  • You can get access to over 1200 airport lounges in 130 countries.
  • As a member of this card, you can get easy access to airport lounges with Priority Pass Mobile App.

Other Benefits

This Credit Card offers some other exciting benefits and they are:

  • Round the clock customer service.
  • Thousands of domestic and worldwide offers will be provided to you by American Express Selects.
  • Retail Protection Insurance’every occurrence of accidental damage & theft.
  • Complete guarantee of online fraud protection.

In A Nutshell

The American Express Gold Credit Card is an ideal credit card that can meet your daily requirements. This credit card provides you with many exciting features & benefits, allowing you to live your life to the fullest.