American Express Gold Card - overview

American Express® Gold Card

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Enhance your global lifestyle with your Gold Card®

  • Dedicated Gold Travel Service
    Access to support, virtually anywhere in the world
  • Travel Protection benefits
    Available to you once your card is approved1
  • No interest charges
    Just pay your balance in full every month2
  • Membership Rewards®
    Enjoy complimentary enrolment into the American Express Membership Rewards® programme3
  • Annual Cardmembership fee
  • Supplementary Cards available
    Add additional Cardmembers to your Account for an annual fee of US$/€100, to share many of the benefits and earn Membership Rewards® points4


1 Please refer to the Terms and Conditions at for full details of cover and exclusion.

2 Late payment fees will be applied if you do not pay the full outstanding balance shown on your statement within 30 days of your statement date.

3 Cardmembers earn one Membership Rewards point for each US$1/€1 of eligible spend on the Card Account. The number of points per US$1/€1 is referred to as your Earn Rate and will be shown on the Card Account statement. American Express may permit the Cardmember to earn more points per eligible US$/ €1 for certain purchases with particular retailers and may make contact about this to ensure full benefit from the programme (as explained in the 'About additional benefits and other products' section on the agreement for your Card Account). No points will be earned on: cash advances (including transactions treated as cash), charges for returned payments, late payments, referral charges and American Express Travellers Cheque purchases or foreign exchange transactions. Membership Rewards programme information can be found at:

4 Supplementary Cards allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardholder and will be liable for all charges made on the Supplementary Card(s). Additional Cardmembers must be 18 years or over. Approval subject to status.

For full details, please read the American Express Cards Terms and Conditions. Applicants must be 18 years old or over and approval is subject to status.

Alternatively the Basic Card is available without any rewards, other features or an annual fee.

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and is authorised and regulated by the Financial Conduct Authority. Where American Express Services Europe Limited cards are issued in the UK but obtained within the European Economic Area, local rules may apply to the way that it conducts its business which can be enforced by that country's applicable regulatory authority.


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If you are a customer of HSBC Expat, simply download an application form to fill in at a time convenient to you.

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You can apply for an American Express Card once you have opened an account with us.

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Reward yourself, your way.

Membership Rewards® is a customer loyalty programme from American Express that rewards you for using your Card. Once enrolled in the programme, the more you spend, the more Membership Rewards points you accrue.

Your points can be redeemed for a wide variety of travel, merchandise, gift cards, or even towards eligible transactions on your statement.

Membership Rewards® redemption examples:

  • 18,000 points Amazon Gift Card $100
  • 30,000 points A return economy flight from London to New York. Terms, fees and taxes apply.
  • 64,300 points Apple iPad Mini 32gb

Redemption examples are valid as of January 2017. These are subject to change and to the Terms of the Membership Rewards programme.

Find out more about
Membership Rewards (pdf)