American Express Gold Credit Card

The American Express Gold Credit Card gives you the flexibility to use your Credit Card for everyday spending and, with their budget facility, you can also pay off any larger purchases you make over a longer period of time.

The American Express Gold Credit Card is built for cardholders who want to combine everyday spending power with premium travel perks. From buying groceries to booking flights, enjoy up to 55 days interest‑free, a convenient budget facility for big‑ticket items, and automatic local and international travel insurance when you pay with your card.

Tip: Check your credit score and see how you can make better money choices to improve your credit health.

Who should apply?

Income of R3 000+ per month
Shoppers who prefer interest‑free periods to manage monthly cash flow
Travellers seeking complimentary insurance on every ticket purchase
Anyone wanting a low monthly fee and a once-off initiation cost
Fee table (Effective 1 July 2025)

Minimum income	R 17 000 p/m
Interest rate	Personalised, up to 5 pp below prime (Vitality Money status)
Max credit‑interest (positive balance)	Up to 1.1 % p.a.
Interest‑free period	Up to 55 days
Monthly card fees	R 82 maintenance + R 23 facility + R 32 Membership Rewards = R 137 total
Initiation fee (once‑off)	R 190
Swipe / POS purchases	Free
Cash withdrawal – Nedbank ATM	R 2.75 per R100 (or part thereof)
Cash withdrawal – other bank ATM	R 12 + R 2.75 per R100
Cash withdrawal – branch counter	R 100 + R 2.75 per R100
Cash withdrawal – overseas ATM	R 65 + R 2.75 per R100
Cash deposit – Nedbank intelligent ATM	R 2 per R100
Cash deposit – branch	R 100 + R 2.75 per R100
Currency‑conversion fee (card purchases abroad)	2 %
Account payment – self‑service / internet	R 10 per payment
Transfers – internet / SST	Free
Transfers or payments – branch	R 200
Balance enquiry – Nedbank ATM	Free
Balance enquiry – branch	R 26
Additional card fee	1 free; thereafter R 45 p/m
Card replacement	R 160
Internet‑banking subscription	Free
Travel insurance	Automatic basic cover up to R 4 million on tickets bought with the card
Rewards & benefits	Membership Rewards points; 12 domestic lounge visits p.a.; monthly lifestyle voucher on R 3 500 spend; Hertz & Avis discounts

Card highlights

Automatic travel insurance

Buy any domestic or international ticket with your Amex Gold and receive comprehensive travel insurance up to preset limits, no extra paperwork required.

55 days interest‑free

Settle qualifying purchases in full by the due date and pay 0% interest for up to 55 days, ideal for managing monthly cash flow.

Budget facility

Convert larger purchases into manageable instalments directly on your statement, giving you flexibility without needing a separate loan.

Free replacement and second card

Get a free replacement card if yours is lost or stolen, plus a second card at no extra monthly cost for a partner or family member.

Secure online and mobile banking

Manage your account, view statements, and make payments with secure internet banking for only R16 per month.

Benefits at a glance

Low monthly fee of R27
No transaction fees on purchases
Affordable ATM withdrawal rates locally & abroad
Complimentary balance enquiries at own‑bank ATMs
Worldwide acceptance on the American Express network

How to Apply

Confirm you earn R3 000+ per month.
Gather your SA ID or passport, proof of income, and proof of address.
Click Apply Now online or visit a branch to complete the quick application form.

Approval is subject to a credit check and an affordability assessment.

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