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American Express Gold Credit Card
American Express Saudi Arabia·Amex Gold
Verified: 2026-04-04
Annual Fee
SAR 460
Rewards Rate
1.00%
APR
40.85%
Income (Y1)
SAR 140
Lounges
Yes
Network
Amex
Monthly spend:
Fees
| Annual Fee | SAR 460 inc. VAT |
| Supplementary Card Fee | SAR 115 inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.75% |
| APR | 40.85% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Priority Pass (1,300+ lounges)
Visits / Year
1 visit
Guests
Not included
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
- 1X Membership Rewards point per USD 1 spent
- Worldwide Travel Accident Insurance
- Legal and Medical Assistance
- Membership Rewards points never expire
- Plan It installment feature
- Amex Offers savings
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 460 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 140 |
| Annual fee(inc. VAT) | - SAR 460 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 140 |
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 |
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