The American Express credit card in South Africa is available to everyone aged 21, or more, with a minimum salary of R36,000. The main features of the card include branch banking, telephone banking, internet banking, and mobile banking. The card has a balance transfer rate of 9.90%. There is a payment protection interest of R3.89 per R1000 for outstanding balances.
The subscription fees for an American Express card are R165 per year and there is a reward program fee of R169 per year. A secondary card, if used, is charged at R165 per year. Internet banking fees are R15 per month. There is a card delivery fee of R127. The credit interest is 0.25% till R49, 999 and 0.75% for more R50,000 or more.
American Express Gold Card is available to someone who is aged 21, or more, and has a minimum annual salary of R120,000. While all the banking facilities like internet, mobile and branch are available, this card gives you access to a wide range of Amex Membership Rewards program. This card has a payment protection insurance of R3.89 per R1000 for outstanding balances.