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American Express® Gold Card

Enhance your global lifestyle with your Gold Card

Reward yourself

Get rewarded, your way, with the American Express Membership Rewards® programme.

Why you’ll want this card

  • Dedicated Gold Travel service
    Access to support, virtually anywhere in the world.
  • Travel protection benefits
    Cover for when you're travelling.1
  • No interest charges
    Just pay your balance in full every month.2
  • Membership Rewards®
    Enjoy complimentary enrolment into the American Express Membership Rewards® programme.3
  • Supplementary Cards available
    Add additional cardholders to your Account for an annual fee of US/EUR 100, to share many of the benefits and earn Membership Rewards® points.4


You can apply for an American Express card if you hold USD / EUR 50,000 Assets Under Management5 in your sole name and hold an active Bank Account with us in the currency of the card you are applying for, this cannot be a savings account.

If funds are not held with HSBC Expat, you'll be required to provide proof of funds. American Express Services Europe Limited (AESEL) is not authorised to issue Cards to residents of the US or Singapore or via banks located in Singapore. Further restrictions may apply subject to American Express acceptance policy. 

You must be aged 18 or over.

Things you should know


How to apply

HSBC Expat customers

You can apply for an American Express card online.

Not yet a customer?

You can apply for a American Express Card, once you have opened an HSBC Expat bank account with us. 

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.

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.

5Assets Under Management (AUM) is the total amount of funds available in cash within 30 days, held in an account with the bank and/or its Affiliates.

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.

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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