Hey there! Ever dreamt of unlocking a world of exclusive benefits, unparalleled service, and global recognition? If you're residing in Saudi Arabia and eyeing that sleek American Express card, you're in the right place! Getting an Amex card in the Kingdom can open doors to a premium lifestyle, from travel perks and dining credits to robust security features. But where do you even begin? Fear not, this comprehensive guide will walk you through every step of the process. Let's dive in!
How to Get an American Express Card in Saudi Arabia: Your Ultimate Step-by-Step Guide
American Express Saudi Arabia (AESA) offers a variety of cards designed to cater to different lifestyles and financial needs. Before you apply, it's crucial to understand the process and requirements.
Step 1: Discover Your Ideal American Express Card
Ready to find your perfect Amex match? The first and most exciting step is to explore the range of American Express cards available in Saudi Arabia and identify the one that best suits your spending habits, travel aspirations, and financial goals. American Express offers both Credit Cards and Charge Cards, each with distinct features.
Sub-heading: Understanding Card Types
Credit Cards: These allow you to revolve a portion of your balance each month, paying interest on the outstanding amount. They offer flexibility in managing your payments.
Charge Cards: Unlike credit cards, Charge Cards generally require you to pay your balance in full by the due date. They often come with no pre-set spending limit (though your spending power adjusts based on your usage and financial profile) and are known for their premium benefits.
Sub-heading: Popular American Express Cards in KSA
American Express Saudi Arabia offers several popular cards, each with unique benefits:
The Platinum Card®: This is the flagship card, known for its extensive travel benefits, including lounge access, hotel upgrades, travel credits, and concierge services. It's ideal for frequent travelers and those seeking a luxurious lifestyle. Expect higher annual fees and income requirements for this one.
The Gold Card®: A popular choice offering strong rewards on everyday spending, travel benefits, and dining credits. It's a great all-rounder for those who appreciate premium perks without the top-tier fees of the Platinum Card.
The American Express® Green Card: Often considered an entry-level charge card, it provides valuable benefits and a good way to begin your Amex journey.
AlFursan American Express® Credit Card: A co-branded card with Saudia, offering accelerated earning of AlFursan miles, making it excellent for frequent flyers with the national airline.
Marriott Bonvoy® American Express® Credit Card: Perfect for hotel enthusiasts, this card offers bonus Marriott Bonvoy points and benefits at Marriott properties worldwide.
Take your time to compare the annual fees, interest rates (for credit cards), reward structures, welcome bonuses, and specific benefits of each card. The official American Express Saudi Arabia website (
Step 2: Check Your Eligibility
Once you have a card (or a few!) in mind, the next crucial step is to determine if you meet American Express's eligibility criteria. While specific requirements can vary slightly depending on the card type, here are the general guidelines:
Sub-heading: General Eligibility Criteria
Age: You must typically be at least 18 years old.
Residency: You need to have a current and permanent residence address in Saudi Arabia.
Income: American Express cards, especially the premium ones, often have specific minimum income requirements. This is a significant factor in determining your credit limit (for credit cards) or spending power (for charge cards).
For salaried individuals, a minimum annual income will likely be specified.
For self-employed individuals, you might need to show consistent business trading for a certain period (e.g., 12 months) and meet a higher income threshold.
Credit History: A good credit score is paramount. American Express typically prefers applicants with a strong credit history, indicating responsible financial behavior. If you have a low credit score or no credit history in Saudi Arabia, your application might be challenging.
Debt-to-Income Ratio (DTI): Your DTI, which is the ratio of your monthly debt payments to your monthly gross income, will be assessed. A lower DTI generally increases your chances of approval.
Existing Credit Cards: Sometimes, having other credit cards with good standing can positively impact your application.
Sub-heading: Specific Requirements for Saudi Citizens and Residents (Expats)
For Saudi Citizens: A copy of your National ID will be required.
For Residents (Expats): You will need to provide a copy of your Iqama (residence permit) and a copy of your passport. Proof of income (salary certificates, bank statements) will also be essential.
Step 3: Gather Required Documents
Preparation is key! Before you begin the application, make sure you have all the necessary documents readily available. This will significantly speed up the process.
Sub-heading: Essential Documents
Proof of Identity:
For Saudi Citizens: National ID
For Residents (Expats): Valid Iqama, Passport
Proof of Address:
Utility bill (not more than 3 months old)
Bank account statement
Rental agreement
National Address registration
Proof of Income: This is critical for assessing your financial capacity.
For Salaried Individuals: Latest salary slips (usually 1-3 months), employment certificate, bank statements showing salary credits.
For Self-Employed Individuals: Latest financial statements, bank statements (personal and business), trade license, audited financial reports (if applicable).
Bank Details: For linking your bank account for payments.
It's always a good idea to have both original documents and clear photocopies or digital scans ready.
Step 4: Submit Your Application
With your chosen card and documents in hand, you're ready to apply! American Express Saudi Arabia offers a convenient online application process.
Sub-heading: Online Application Process
Visit the American Express Saudi Arabia Website: Go to
www.americanexpress.com.sa Select Your Desired Card: Click on the specific card you wish to apply for.
Initiate Online Application: Look for the "Apply Now" or "Apply Online" button. The application form typically opens in a separate, secure window.
Fill in Personal Details: You'll be asked to provide your personal information, including:
Full name
Date of birth
Nationality
Marital status
Contact details (mobile number, personal email)
National ID/Iqama number
Provide Financial Information: This section will require details about your employment, income, and bank accounts. Be accurate and complete.
Review and Submit: Carefully review all the information you've entered before submitting the application. Any errors could lead to delays or rejection. You'll receive a confirmation that your application has been received.
Sub-heading: What to Expect After Submission
Document Submission: American Express will likely request you to submit the necessary documents to prove your legal status, identity, and income. This might be done through an online upload portal, email, or by physically submitting copies at an Amex office.
Verification: Amex will conduct a thorough verification process, which may include contacting your employer, bank, and checking your credit history with SIMAH (Saudi Credit Bureau).
Decision Notification: You will typically hear back from American Express within a few business days or weeks regarding the status of your application. The timeline can vary.
Step 5: Receive and Activate Your Card
If your application is successful – congratulations! – your American Express card will be delivered to your registered address.
Sub-heading: Card Activation
Follow Instructions: Upon receiving your card, do not forget to activate it immediately. Instructions for activation are usually included with the card package.
Amex KSA App: The easiest way to activate your card is often through the official Amex KSA app. Download it from your app store and follow the on-screen prompts.
Online Activation: You can also activate your card online via the American Express Saudi Arabia website.
Phone Activation: Alternatively, you can call American Express customer service in Saudi Arabia to activate your card.
Step 6: Set Up Online Services and Explore Benefits
Once activated, you can truly start enjoying the Amex experience.
Sub-heading: Register for Online Services
Register for online account services on the American Express Saudi Arabia website. This allows you to:
View your account activity and statements.
Check your spending power/credit limit.
Pay your bill.
Manage your Membership Rewards points.
Set up alerts and notifications.
Sub-heading: Dive into Your Card Benefits
Membership Rewards: Understand how to earn and redeem your Membership Rewards points for travel, shopping, dining, or paying off your card charges.
Amex Offers: Explore the various exclusive offers and discounts available to cardmembers in Saudi Arabia across dining, retail, travel, and entertainment.
Travel and Lifestyle Privileges: Familiarize yourself with lounge access, hotel programs, travel insurance, and concierge services if your card offers them.
Remember to always use your card responsibly and pay your bills on time to maintain a good credit standing and avoid fees.
Frequently Asked Questions (FAQs)
How to check American Express card eligibility in Saudi Arabia?
You can check general eligibility criteria on the American Express Saudi Arabia website under each card's details. These typically include age, residency, and minimum income requirements. For a more precise assessment, you'll need to go through the application process, where your full financial profile will be evaluated.
How to apply for an American Express card online in Saudi Arabia?
Visit the official American Express Saudi Arabia website (americanexpress.com.sa), select the card you're interested in, and click "Apply Now." You'll be guided through a secure online application form where you provide your personal and financial details.
How to track my American Express card application in Saudi Arabia?
American Express usually provides a reference number after you submit your online application. You can use this number to inquire about your application status by contacting their customer service hotline.
How to contact American Express customer service in Saudi Arabia?
You can contact American Express Saudi Arabia customer service by calling their local toll-free number (often 800 124 2229 within KSA) or their international number (+966 11 292 6666 from outside the Kingdom). Their website also lists email contacts for various inquiries.
How to activate a new American Express card in Saudi Arabia?
You can activate your new American Express card conveniently through the Amex KSA mobile app, by visiting the American Express Saudi Arabia website's activation page, or by calling the activation number provided with your card package.
How to pay my American Express card bill in Saudi Arabia?
American Express Saudi Arabia offers various payment methods, including online bank transfers, direct debit, and potentially through SADAD bill payment system. Details on specific payment options will be provided on your statement or on their website.
How to find American Express airport lounges in Saudi Arabia?
Information about airport lounge access, including specific lounges in Saudi Arabia and globally, is usually detailed in the benefits section of premium cards like The Platinum Card®. You can also check the American Express website or use the Amex app to locate eligible lounges.
How to earn Membership Rewards points with my Amex card in Saudi Arabia?
You earn Membership Rewards points on eligible purchases made with your American Express card. The earning rate varies by card type. You can find detailed information on how points are earned and redeemed on the American Express Saudi Arabia website.
How to report a lost or stolen American Express card in Saudi Arabia?
Immediately contact American Express customer service in Saudi Arabia at their dedicated lost/stolen card hotline. This number is usually available 24/7. They will cancel your card and arrange for a replacement.
How to add a supplementary cardmember to my American Express account in Saudi Arabia?
You can typically add a supplementary cardmember by logging into your online American Express account or by contacting customer service. You will need to provide their personal details, and they will receive their own card linked to your primary account.
