About the American Express Platinum & Gold Credit Cards

The American Express Platinum and Gold Credit Cards are available to South Africans seeking premium benefits and versatile spending options. Both cards come with exclusive features tailored to frequent travellers and daily spenders alike.

The Platinum Credit Card impresses with a generous 30 000 bonus Membership Rewards® points upon activation and unlimited access to top SA airport lounges.

The Gold Credit Card offers a lifestyle reward voucher for qualifying spend, plus 5 000 bonus Membership Rewards® points when you activate your card.

Both options are widely accepted across South Africa and globally, making them suitable for online and in-person payments.

Applicants should check the latest rates, qualifying salary requirements, and credit limits on the official American Express South Africa website as these can change frequently.

How to Apply: Step by Step

1. Start by heading to the official American Express South Africa credit card page.

2. Choose between the Platinum or Gold credit card and click on the relevant application section.

3. Fill in your personal and financial details as prompted, including proof of income.

4. Submit your application and wait for a response from the issuer regarding approval and credit limit.

5. On successful application, your new card will be issued for activation as per their instructions.

Top Benefits

Cardholders collect Membership Rewards® points on every eligible purchase, redeemable for flights, upgrades, or shopping vouchers.

Exclusive lounge access through The Centurion® Lounge and Bidvest Premier Club airports sets the Platinum card apart for frequent flyers.

The Gold card gives a monthly reward voucher for qualifying spend, adding extra value for those who use their card for everyday purchases.

Both cards feature comprehensive travel protection, purchase protection, and fraud protection guarantee for peace of mind.

With global acceptance, users can pay confidently at thousands of local and international outlets.

Potential Drawbacks

The monthly management and service fees on premium cards like Platinum and Gold can be higher than entry-level options.

Qualifying criteria such as minimum income and a solid credit score may exclude some applicants from eligibility.

Final Verdict

The American Express Platinum and Gold Credit Cards offer compelling value for well-qualified consumers who maximise lounge access, rewards, and purchase protection.

Frequent travellers and premium spenders will appreciate the ongoing perks, while those looking for entry-level cards or lower fees may wish to compare alternatives.