CardMax may earn a commission if you're approved for a card. This never affects how cards are ranked.
The Gold Card
Points card earning Amex Membership Rewards. Strongest on dining at 0.27 pts.
Reward rates by category
| Category | Rate | Notes from the bank’s terms |
|---|---|---|
| Dining | 0.27 pts | 3x Membership Rewards on dining | Charge card — full balance required | No pre-set spending limit |
| Groceries | 0.27 pts | |
| Fuel | 0.27 pts | 1x points fuel |
| Travel | 0.27 pts | |
| Online shopping | 0.27 pts | |
| Cinema | 0.27 pts | 2x points entertainment |
| International spend | 0.27 pts |
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately.
Benefits
- US$ 183.75 a year incl. VAT (about AED 675) + US$ 26.25 Membership Rewards fee
- 8 Priority Pass lounge visits a year for you and 1 supplementary cardholder
- Worldwide travel and retail insurance
From American Express’s website, checked October 2026. Welcome offers and perks change often.
Last checked against the bank’s terms on 28 Aug 2026. Rates, fees and eligibility change often. Always confirm on American Express’s own page before applying. Spotted something wrong? Tell us.
Other points cards for dining
Ajman Bank · No fee7%2SHAMS Infinite
Dubai Islamic Bank · AED 2,00010 pts (≈5%)3SHAMS Platinum
Dubai Islamic Bank · AED 52510 pts (≈5%)4SHAMS Signature
Dubai Islamic Bank · AED 1,05010 pts (≈5%)
Read next
Have the The Gold Card? Know when to use it
The app tells you which of your cards to use at every shop, using your location. It’s in testing on Android now. Leave your email and we’ll tell you when it’s ready. No spam, and you can ask us to delete it any time.
We only use your email to contact you about CardMax. See our privacy policy.