Gold Credit Card

Complementary access to global airport lounges via Priority Pass, including 5 complimentary visits per annum for the primary cardholder and 1 supplementary cardmember. Additional visits charged at US$35 per person.

How often

5 uses a year

How to use it

Activate in the bank's app — Enrol via Amex MENA app or Online Services. Access through Priority Pass Mobile App.

Caps and limits

5 complimentary visits per annum; additional visits US$35 per person

Exclusions

Supplementary Cardmembers under 18 years not eligible

Where

International

“5 complimentary visits per annum to Priority Pass™ lounges.”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Earn 1 Membership Rewards point for every AED 4 spent on eligible purchases. Points are redeemable across airlines, hotels, and merchandise from leading brands.

How often

Always on

How to use it

Activate in the bank's app — Redeem via Amex MENA app or online services across airline, hotel, and brand partners

Where

All emirates

“Earn 1 point with every 4 you spend on eligible purchases using your Credit Card.”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Save up to 50% on hotel stays globally through Unravel partnership; additional 10% off all bookings site-wide when paying with Amex card, with AI-powered travel assistant support.

How often

Always on

How to use it

Redeem on a website — Book through Unravel platform using Amex card; savings applied automatically at checkout

Caps and limits

Save up to 50% on hotel stays; 10% off all bookings site-wide

Where

International

“Save up to 50% on all 3.5 million hotel stays globally”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Spread the cost of purchases into monthly installments with flexible terms of 3, 6, 9, or 12 months. Clear upfront pricing with low interest and no additional surprise fees. Continue earning rewards on installment purchases.

How often

Per event

How to use it

Activate in the bank's app — Apply for installment plan through Amex MENA app or online services

Caps and limits

Available in 3, 6, 9, or 12 month terms

Where

All emirates

“Spread the cost of your purchases into monthly instalments.”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Redeem Membership Rewards points at checkout for online purchases with participating SafeKey merchants.

How often

Always on

How to use it

Redeem on a website — Select and redeem points at checkout for participating SafeKey merchants

Where

International

“Redeem your Membership Rewards® points easily at checkout for online purchases”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Up to 9 complimentary supplementary cards for immediate family members aged 12 and above, allowing them to enjoy the same card benefits.

How often

9 uses, always on

How to use it

Activate in the bank's app — Enrol and manage supplementary cards via Amex MENA app or online services

Caps and limits

Up to 9 complimentary supplementary cards; additional cards available at a fee

Exclusions

Cardholders must be over 12 years of age

Where

All emirates

“With up to 9 complimentary Supplementary Cards, any of your immediate”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Instant issuance of up to 6 virtual cards at no extra cost (1 for primary cardholder and up to 5 for supplementary cardholders) with customizable spending limits for online transactions and digital wallet compatibility.

How often

6 uses, always on

How to use it

Activate in the bank's app — Set up virtual cards via Amex MENA app; add to digital wallets for contactless payments

Caps and limits

Up to 6 virtual cards total (1 primary + 5 supplementary)

Where

International

“You can get up to 6 Virtual Cards at no extra cost; 1 for you and up”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Protection against fraudulent charges with no liability for cardholders who have taken reasonable care to protect account details and PIN.

How often

Always on

How to use it

Applied automatically — Fraud protection is automatic; report fraud via Amex MENA app or customer services

Caps and limits

Full protection against fraudulent charges if reasonable care taken

Where

International

“you won't be held responsible for any fraudulent charges”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Comprehensive retail protection insurance covering eligible purchases, up to the stated limit.

How often

Always on

How to use it

Applied automatically — Claims can be submitted and tracked online. Policy number: AMEX14.

Caps and limits

Up to AED 3,000 coverage limit

Where

International

“Retail Protection Insurance of up to 3,000”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Comprehensive travel accident insurance coverage up to the stated limit for the cardholder and supplementary cardmembers.

How often

Always on

How to use it

Applied automatically — Claims can be submitted and tracked online. Policy number: AMEX14.

Caps and limits

Up to AED 350,000 coverage limit

Where

International

“Travel Accident Insurance of up to 350,000”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026

Travel inconvenience insurance providing coverage for travel-related disruptions, up to the stated limit.

How often

Always on

How to use it

Applied automatically — Claims can be submitted and tracked online. Policy number: AMEX14.

Caps and limits

Up to AED 4,000 coverage limit

Where

International

“Travel Inconvenience Insurance of up to 4,000”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-gold-credit-card/ · Last checked 24 Aug 2026