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The American Express Gold Card
American Express Saudi Arabia·Amex Gold
Verified: 2026-04-04
Annual Fee
SAR 909
Rewards Rate
1.00%
Income (Y1)
SAR -309
Lounges
Yes
Network
Amex
Monthly spend:
Fees
| Annual Fee | SAR 909 inc. VAT |
| Supplementary Card Fee | SAR 431 inc. VAT |
| FX Fee | 2% |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 0% |
| APR | Charge card Full balance due monthly |
| Grace Period | 25 days |
| Minimum Repayment | Full balance due |
Rewards & Benefits
Lounge Access
Program
Priority Pass (1,300+ lounges)
Visits / Year
2 visits
Guests
Allowed
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 0.27 | 26.7 | SAR 1.00 | - |
| International | 0.27 | 26.7 | SAR 1.00 | - |
* Estimated point value in Membership Rewards Points program: SAR 0.0375 (e-voucher) / SAR 0.0375 (cash)
Other Benefits
- No preset spending limit
- Hertz Gold Plus Rewards with 10% discount
- Travel Accident Insurance
- Medical and Legal Assistance
- Flight delay and cancellation coverage
- Luggage delay and loss protection
- SAR 1,000 welcome vouchers
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 908.5 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | - SAR 308 |
| Annual fee(inc. VAT) | - SAR 908.5 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | - SAR 308 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Membership Rewards Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 37.5 |
Redemption Partners
Emirates SkywardsBA AviosEtihadMarriott BonvoyHilton
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
Notes
Minimum salary: SAR 25,000/month.
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