Last Updated on 28 August 2023

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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AMEX The American Express® Gold Card


The American Express® Gold Card

AMEX The American Express® Gold Card
Interest Rate


Minimum Salary


Fx Rate


Annual Fee

AED 643

AMEX The American Express® Gold Card
interest rate


Interest Rate

min salary


Minimum Salary

fx rate


Fx Rate

annual fee

AED 643

Annual Fee

View details on bank page


  • Access to membership rewards program.
  • This card is a charge card, but not a credit card.
  • You get access to worldwide customer care.
  • There is no pre set spending limit on this card.
  • Complimentary travel accident and insurance, if you book your flight tickets with this card.
  • You need to pay off your balance in full each month.
  • There are no interest charges on this card.
  • You should be of 21 years and above.
  • Get access to worldwide customer care.
  • The Forex rate applicable on this card is 2.8%
  • You should have an annual income of USD 75,000.
  • There is an annual fee of USD 175 (USD 183.75 inclusive of VAT) on this card.
  • There is an annual fee for membership which is USD 25.

Main Benefits

  • Access to airport lounges in the middle east.
  • Exclusive offers bought to you by American express.
  • Travel accident insurance of up to USD 3,50,000.
  • Travel inconvenience cover of up to USD 1000.
  • Online fraud protection guarantee.
  • 24/7 Customer service.
  • Online account access and E Statement alerts.
  • Retail protection insurance of up to USD 1500 per occurence and USD 40,000 per year against theft and accidental damage of up to 90 days.
  • You can earn 1 full Membership Rewards Point for every USD 1 of spends.
  • Get 12 Airline member rewards to travel with.
  • Points can be redeemed for complimentary flights and upgrades which includes Etihad and Emirates.

Frequently Asked Questions

⭐ For how many days do we get complimentary retail insurance?

A. You get complimentary retail insurance for 90 days.

⭐ Would I be getting any rewards if I book any ticket outside my country?

A. Yes, you would be getting rewards, in spite of booking tickets outside your country with our 12 airline partners.

⭐ What is One Time Payment?

A. These are payments that you initiate for each individual transaction. One-time payments give you the opportunity to control when and how much you pay for each bill.

⭐ Are there any costs associated with having my bills paid on my American Express Card?

A. American Express does not charge a fee for this convenience. Many service providers do not charge for it either, but you should check with your provider directly to determine if there is a fee.

⭐ Are the rewards given by airlines and American Express the same?

A. The rewards given by airlines would be different from our bank. We have a tie up with the airlines, hence you would be getting rewards that is different from the rewards that you get by travelling separately with them, that is by not booking the airline ticket with our card.

   Get in touch with AMEX Customer Care

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