
American Express Saudi Arabia·Amex Gold
Verified: 2026-04-04
Annual Fee
SAR 1,078
Rewards Rate
1.00%
APR
41.59%
Income (Y1)
SAR 1,210
Lounges
Yes
Network
Amex
| Annual Fee | SAR 1,078 inc. VAT |
| Supplementary Card Fee | SAR 259 inc. VAT |
| FX Fee | 0% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.75% |
| APR | 41.59% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Access via AlFursan Silver Tier. Includes lounge access for cardholder + up to 3 family members on Saudia flights. Silver Tier retained with USD 32,000 annual spend.
| Category | SAR spent to earn 1 mile | Miles per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 3.75 | 26.7 | SAR 1.00 | - |
| International | 1.875 | 53.3 | SAR 2.00 | - |
| saudia airlines | 1.875 | 53.3 | SAR 2.00 | - |
* Estimated mile value in AlFursan Miles program: SAR 0.0375
| Period | Bonus | Condition |
|---|---|---|
| Joining Bonus | 10,000 miles | Card activation only |
| Welcome Bonus | 10,000 miles | Spend SAR 11,250 |
| Spend milestone 1 | 12,000 miles | Spend SAR 26,250 |
| Spend milestone 2 | 13,000 miles | Spend SAR 56,250 |
| Annual Bonus | 15,000 miles | Spend SAR 93,750Not achievable with current 5,000 SAR monthly spend |
| Total | 60,000 miles | ≈ SAR 2,250 |
| Achievable (4/5) | 45,000 miles | ≈ SAR 1,688 |
You can change the "Monthly spend" filter on the cards page to recalculate achievability.
* Estimated mile value in AlFursan Miles program: SAR 0.0375
| Annual fee(inc. VAT) | - SAR 1,078 |
| Rewards for spending | + SAR 600 |
| Welcome bonus | + SAR 1,688 |
| Income (First Year) | + SAR 1,210 |
| Annual fee(inc. VAT) | - SAR 1,078 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | - SAR 478 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redeem your miles on the Saudia Airlines website for flight bookings and upgrades. You can use miles to cover the full or partial cost of your ticket.
saudia.com
* Estimated mile value in AlFursan program: SAR 0.0375
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
Minimum salary: SAR 15,000/month.