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 installments 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
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