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.

American Express Gold Credit Card

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	R17 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	R82 maintenance + R23 facility + R32 Membership Rewards = R137 total
Initiation fee (once‑off)	R190
Swipe / POS purchases	Free
Cash withdrawal – Nedbank ATM	R2.75 per R100 (or part thereof)
Cash withdrawal – other bank ATM	R12 + R2.75 per R100
Cash withdrawal – branch counter	R100 + R2.75 per R100
Cash withdrawal – overseas ATM	R65 + R2.75 per R100
Cash deposit – Nedbank intelligent ATM	R2 per R100
Cash deposit – branch	R100 + R2.75 per R100
Currency‑conversion fee (card purchases abroad)	2%
Account payment – self‑service / internet	R10 per payment
Transfers – internet / SST	Free
Transfers or payments – branch	R200
Balance enquiry – Nedbank ATM	Free
Balance enquiry – branch	R26
Additional card fee	1 free; thereafter R45 p/m
Card replacement	R160
Internet‑banking subscription	Free
Travel insurance	Automatic basic cover up to R4 million on tickets bought with the card
Rewards & benefits	Membership Rewards points; 12 domestic lounge visits p.a.; monthly lifestyle voucher on R3 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 R137
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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American Express Gold Credit Card