American Express Gold Card – How to Apply?

If you truly want to live a fabulous and luxurious life, having an American Express Gold Card might just be the cherry on top.


Accepted worldwide, you can use this elite credit card to travel the world and get in on exclusive deals. Whether you are looking to use it on a local or international level, this credit card is the perfect one for you.

Read on to learn how you can apply for an American Express Gold Card today.

If you want to live a fabulous and luxurious life, having an American Express Gold Card might just be the cherry on top. Here's how to apply...
Image Source: American Express

American Express Gold Card Overview

The American Express Gold Card provides you with all the basic credit card features, including online shopping, purchasing, and cash advances, as well as a host of other elite perks such as shopping and travel privileges with no pre-set spending limit!

To find out what kinds of benefits you can gain from having your own American Express Gold Card, read on.


American Express Gold Card Benefits

The American Express Gold Card offers premium lifestyle benefits that are designed to provide optimal comfort for all its cardholders. This gives you maximum financial flexibility, particularly with no pre-set spending limit.

This elite credit card also provides membership rewards points that never expire. For every PHP 45 you spend, you can earn 1 membership rewards points. You can redeem these points for a wide selection of items, including gadgets, bedroom collections, home appliances, shopping gift certificates, and other designer items.

You can even transfer your points to your Frequent Flyer Program and Frequent Guest Program Partners and travel the world in style.

Dubbed as the perfect travel companion, this card offers travel assistance and insurance services for all its cardholders. It covers Travel Accident Protection of up to PHP 10,000,000, giving you and your family the peace of mind you deserve.

Applying for the American Express Gold Card

The American Express® Gold Credit Card | Amex Philippines
Image Source: American Express

Applying for the American Express Gold Card is a breeze. Simply fill out the credit card application form on their website and provide the necessary supporting documents. Some of their requirements include a valid ID, proof of income, and proof of billing address.

To be eligible for this elite credit card you must be aged 21 and older with a minimum salary of ₱1,000,000 per annum.

American Express Gold Card Fees

The annual membership fee for the American Express Gold Card is P 3,000. Meanwhile, a supplementary credit card is P 1,500.

The monthly effective interest rate is a competitive 3.25%. There is also a returned check fee of P1,250. The foreign exchange conversion rate is 2.5%.

There are some other fees you should also consider when availing of the American Express Gold Card. These include the cash advance fee of 5% of the amount withdrawn or P500 / US$10 (whichever is higher) and the late payment charge of 7% of the overdue amount.

Additionally, the installment processing fee is 5% of the total remaining balance or P300 (whichever is higher). And the overseas card delivery fee is set at P2,500.

Bank Contact Information and Address

If you wish to get in touch with the bank via telephone, you can call them at 8631-8000.

Their head office address is 6795 Ayala Ave, Makati, 1227 Metro Manila, Philippines.


For more information, simply visit the American Express website or call their toll-free numbers. In time, you too can avail and experience the wonders of the American Express Gold Card.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.