gold card
The American Express chip Card does not require a PIN, only a signature.
  • Key Benefits
  • Lifestyle Benefits
  • Benefits overview
  • Automatic Benefits Benefits that require
    enrollment or registration
    Payment by installment checked
    Online account Access checked
    Additional Cards checked
    24 Hour customer service checked
    Wide Acceptance checked
    Airport Lounge Access checked
    Travel Inconvenience Insurance checked
    World Wide Emergency Assistance checked
    Travel Accident Insurance checked
    Shopping and Rewards
    Membership Rewards checked Free for the first year
    Selects® Offers checked
    Retail Protection checked
    Online Fraud Guarantee checked
    Express Cash Service checked
    Easy Payments checked
  • Online Account Access
  • If you are busy traveling or you simply don’t want to wait for your statement to arrive, you can access your account to check your balance and keep track of recent transactions anytime, anywhere.

    Please visit our Online Service Enrollment page to enroll and benefit from:

    - Secure, easy, and quick access to your Card account
    - card account information, activities, and transactions
    - spending Card status tracking
    - Submit requests and stay updated through customized notifications and alerts
    - Cash Pin View
    - Online Card activation

  • Experience the value of your Gold Credit Card
  • You can expect nothing less than a world class experience from a world class Card – our Customer Service team is at your service 24 hours a day. Whether you are calling to enquire about your account or to report a lost or stolen Card, we’re here to help. Doesn’t matter what happened. You’ll get a replacement Card as quickly as we can manage it. Almost always within 2 working days after receiving your call.

  • Wide acceptance
  • Your new Gold Credit Card is welcomed at millions of establishments around the world and across Saudi Arabia so you can use it at your own convenience for everyday purchases.

  • Express Cash Service
  • If you’re ever in need of cash, American Express has over 800,000 ATMs worldwide, open 24 hours a day, while in Saudi Arabia our Express Cash Service allows you to withdraw cash from any ATM of Saudi Investment Bank. You will receive your Personal Identification Number ( PIN ) a few days after receiving your Gold Credit Card.

  • How to settle your Card account
  • Your mode of payment is now more convenient. You can choose to pay your balance in full every month or pay it back over time, provided you pay the minimum amount due. Below are various convenient methods of settling your payments.

    You can also check your account details or settle bills online.

    1. Direct Debit
    You only have to make arrangements once through this efficient mode of payment. Request a Direct Debit form and we will process your request.

    2. Settle your bills with the SADAD service:
    The SADAD Service from American Express lets you pay your balance quickly and easily, wherever you may be. You can pay through all the participating bank branches, ATMs, telephone and the internet.

    3. In person:
    For your convenience, you may settle your Card account at any branch at the Saudi Arabia Investment Bank in the Kingdom. Cash payments are accepted in Saudi Riyals or US Dollars.

    4. By Mail:
    Using a Saudi Riyal cheque, a US Dollar cheque or a US Dollar bank draft drawn on a US Bank. Please make cheques payable to Amex Saudi Arabia Ltd., write your Card account number on the front of the cheque and send it along with your renitence advice. Do not make cash.

    5. Bank Transfer "SARIE":
    This facility gives you the convenience of paying your bill directly from your bank account. Just pick up Funds Transfer form from your bank, fill it in, hand it to a cashier and the bank will make the payment for you. To fill in the form accurately and insure that the payment is made please make a note of the important details which the form must contain. These are shown below:

    Beneficiary Bank and Address
    The Saudi Investment Bank Head Office, Riyadh 11481
    Beneficiary Account
    Write your Sadad number
    Beneficiary Name
    American Express

    Security Tips:

    - Place your signature on the strip behind your Credit Card
    - Activate your Credit Card before use
    - Never allow anyone to use your Credit Card
    - Never disclose passwords, log-in details or PIN numbers

  • Stay updated on the go
  • You will receive an instant SMS and email every time your card is used including attempts that are declined. This service safeguards your Card by notifying you of any unauthorized or fraudulent attempts to use your Card.

  • Membership Rewards®
  • Membership Rewards is our way of thanking you for being an American Express® Cardmember - It pays for you to make the most of it. Use your Card to earn points and redeem them for some truly amazing rewards, such as air tickets and upgrades, hotel stays, meals at exclusive restaurants, car rentals and so much more, locally and internationally. And that’s not all - your points never expire, so there’s no limit to how many you can collect. For every 1$ spent, you can earn 1 Membership Rewards® point.

    Better still, as a Gold Credit Cardmember, you enjoy this facility absolutely free for the first year. To enroll in the Membership Rewards®, please email us at or call 8001242229

  • Selects®
  • From designer clothes to fine dining and travel experiences, American Express Selects® brings you exciting offers from just around the corner and from around the world. So no matter where you are, look out and enjoy the best local and international Selects® offers every month from our wide range of partners. Visit Selects®

  • Retail Protection
  • Now you have complete peace of mind when you shop with your Gold Credit Card, because all your purchases are protected against theft and accidental damage. So, if you break your expensive new stereo equipment on the way home, you are entitled to a credit towards its replacement. For more information click here

  • Shop online with total confidence
  • Our Online Fraud Guarantee means 100% risk-free electronic shopping. Quite simply, you won’t be held responsible for any charges you did not incur. So next time something catches your eye on a website, you can purchase it with complete peace of mind.

  • Access to airport lounges
  • You will enjoy complimentary access to any of the following airport lounges across the Middle East, regardless of the airlines and class of travel:

    - Al Reem Lounge, Terminal 1, Abu Dhabi, UAE

    - First Class Lounge, Terminal 1 - Cairo, Egypt

    - Exclusive Service Lounge, Terminal 3 - Cairo, Egypt

    - Crown Lounge, Amman, Jordan

    - Dilmun Lounge, Bahrain

    - Cedars Lounge, Beirut, Lebanon*

    - Marhaba Lounge, Dubai, U.A.E. (Terminal 1 and 3)

    - Pearl Lounge, Kuwait

    - Plaza Premium Lounge, Muscat, Oman

    - Oryx Lounge - Doha, Qatar

    To qualify for Complimentary Airport Lounge Access, kindly ensure that you make your Card payments on time.
    Guest admission will be subject to the admission fees and policies of each airport lounge.

    *As per the lounge policy of Cedars Lounge at Beirut-Rafic Hariri Airport, Lebanon, guests will not be allowed access.

  • Travel Inconvenience Insurance
  • Ever lost your baggage or experienced delayed flights at the airport? American Express takes care of life’s uncertainties. Your Gold Credit Card insures you against flights delays, cancellations or inability to board due to overbooking.

  • Travel Accident Insurance
  • Make sure to always pay for your flight with your Gold Credit Card, and automatically receive Travel Accident Insurance. This covers you of accidental losses – the Worldwide Emergency Assistance Service provides you with legal and medical assistance to support you when you travel, just in case you need it.

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Unlimited Additional Cards
Why not let your family also share the finer Gold experience with American Express? As a Cardmember, you can nominate any member of your immediate family above 18 years .
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