Financial Intelligence Centre Act
Welcome to the American Express® Gold Card the Card that provides you with financial flexibility, a range of features and benefits as well as 150 years of worldclass service, respect, security and global recognition. The Gold Card is accepted in more than 200 countries worldwide. Combined with the Membership Rewards™ programme, which allows you to earn one point for every R5 you spend, it is one of the most rewarding Cards available.
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The Gold Card offers a host of unique features and benefits:

A Charge Card

A Charge Card does not have a conventional preset spending limit, but rather a shadow limit that reinforces your financial flexibility. This shadow limit is variable and is reviewed regularly based on a number of factors, including your credit record, account history, spending patterns and our current understanding of your financial resources. Charge Cards require you to settle the full amount of the bill on the specified payment due date. If the bill is unpaid, interest is charged from the day of purchase and the ability to use the Card may be affected. To protect you we also closely monitor the account for out-of-pattern (potentially fraudulent) behaviour. Card Services should be contacted if you are planning larger-than-usual expenditure, or if you wish to ascertain or increase the current shadow limit.
The Membership Rewardsprogramme
Join the highly acclaimed Membership Rewards programme* today and earn one point for every R5 of eligible spend** on your Gold Card. Rewards points never expire and can be redeemed for a variety of lifestyle and travel rewards.
The American Express SelectsSM programme
Developed internationally, the Selects programme features an online showcase of special offers from 70 countries. It allows you to take advantage of luxurious local and international benefits by simply being an American Express Cardmember.
Access to special offers and promotions
You receive regular electronic newsletters relating to news, special offers and promotions dedicated to Gold Cardmembers.
Travel consultant
With access to a travel consultant, all travel requirements can be taken care of, including flights, hotel reservations, car rental and much more.
Access to local airport lounges
You receive up to eight free visits per calendar year to the Premier Club Lounges in South Africa located at OR Tambo, Cape Town, Durban and Port Elizabeth International Airports.
Travel insurance
Purchase any travel tickets on your Gold Card and both you and your family are covered, locally and internationally. Optional comprehensive topup insurance cover is available at discounted rates.
Avis benefit
Enjoy special discounts on car rental in South Africa. Reservations should be made through the Gold Lifestyle Services to ensure the best rates available for the chosen period of the rental.
Global acceptance
The Gold Card is accepted wherever you see the American Express sign, locally or internationally. Throughout South Africa the Card is accepted at over 80 000 merchants, including retail establishments such as Pick n Pay, Woolworths, Shoprite Checkers, Edgars and the Spar Group. We are also well-represented at a range of other merchants, upmarket niche boutiques, hotels, restaurants and much more, who gladly accept the Card and understand the prestige associated with the American Express brand.

Your Gold Card is your passport to an enhanced standard of service, a wide range of benefits and your ideal companion for everyday spend and those last minute emergencies, so get your Gold Card for a nominal annual fee of R475.

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In order to qualify for the Gold Card, you must be:
  • 18 years or older
  • A South African resident
  • Earning over R200 000 per annum

Additional benefits The American Express Gold Card offers

Budget facility
You have the added flexibility of a budget facility for those larger-than-normal purchases (amounts over R300) on your Card, which can be paid off over a 3-, 6-, 12-, 24- or 36-month period.

Face-to-face Card delivery
The Gold Card is delivered face-to-face to your door, eliminating the inconvenience of waiting to collect Cards.

Supplementary Cards
Apply for free Supplementary American Express Cards for a partner, your family or friends.

Year-end summary statement
You annually receive a detailed yearly spend analysis and summary broken down into categories and providing valuable information about your Card spend.

* Optional enrolment for Gold Cardmembers. An additional annual service fee of R169 applies.
** Eligible spend includes all your local and international purchases, but excludes cash withdrawals, casino chip and travellers cheque purchases and finance charges. Terms and conditions apply.

American Express® Cards is operated in South Africa by Nedbank Ltd Reg No 1951/000009/06, 135 Rivonia Road, Sandown, Sandton, 2196, South Africa. Nedbank is an authorised financial services provider and a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP 16).