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Marriott Bonvoy American Express Credit Card
American Express Saudi Arabia·Amex Gold
Verified: 2026-04-04
Annual Fee
SAR 863
Rewards Rate
1.50%
APR
41.18%
Income (Y1)
SAR 881
Lounges
Yes
Network
Amex
Monthly spend:
Fees
| Annual Fee | SAR 863 inc. VAT |
| Supplementary Card Fee | SAR 431 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 | 41.18% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Priority Pass (1,200+ lounges)
Visits / Year
2 visits
Guests
Not included
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 0.53 | 53.3 | SAR 1.50 | - |
| International | 0.8 | 80.0 | SAR 2.25 | - |
| Marriott Bonvoy hotels and resorts | 1.33 | 133.3 | SAR 3.75 | - |
* Estimated point value in Marriott Bonvoy Points program: SAR 0.028125
Other Benefits
- 1 Free Night Award as welcome gift (redeemable up to 35,000 points)
- 1 Free Night Award every year on account anniversary
- 0% Foreign Exchange Fees on SAR transactions
- Marriott Bonvoy Silver Elite status upgrade
- Gold Elite status upon spending USD 30,000+ annually
- 15 Elite Night Credits annually
- USD 100 Property Credit at The Ritz-Carlton and St. Regis
- Points don't expire with activity for 24 months
- Transfer points to 40+ airline frequent flyer programs
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Welcome Bonus | 30,000 points | Spend SAR 11,250 |
| Total | 30,000 points | ≈ SAR 844 |
* Estimated point value in Marriott Bonvoy Points program: SAR 0.028125
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 863 |
| Rewards for spending | + SAR 900 |
| Welcome bonus | + SAR 844 |
| Income (First Year) | + SAR 881 |
| Annual fee(inc. VAT) | - SAR 863 |
| Rewards for spending | + SAR 900 |
| Income (Second Year) | + SAR 37 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Marriott Bonvoy Redemption
How to Redeem
Redeem points for free nights at Marriott, Sheraton, W Hotels, and other Marriott Bonvoy properties worldwide. Points can also be transferred to airline partners.
* Estimated point value in Marriott Bonvoy program: SAR 0.028125
Redemption Partners
Marriott hotels worldwide
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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