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Terms and Conditions
  • You are receiving this referral form because you are an American Express Saudi Arabia Cardmember.
  • The program is exclusively valid for recipients of this email and for American Express Platinum Cardmembers (Primary), and is valid for Platinum Cards issued by American Express Saudi Arabia.
  • The Program is valid from 1 January 2025 until 31 December 2025.
  • Enjoy 50,000 Membership Rewards® bonus points upon every approved Platinum application.
  • Upon the successful issuance and activation of the referee's Platinum account, the referral will be eligible to receive a bonus of 50,000 Membership Rewards® points within 30 days of meeting the criteria.
  • Terms and Conditions of American Express Saudi Arabia apply. To view all card benefits, terms and conditions and fees, please visit American Express Saudi Arabia's website.
  • Terms and conditions of Membership Rewards apply.
  • Copyright 2025. American Express Saudi Arabia. All rights reserved.
  • American Express's decision shall be final concerning any American Express user disputes regarding this program .
  • If you have any feedback or concerns, please contact our Customer Care Team via email: complaints@americanexpress.com.sa , or call from inside Saudi Arabia on 8004424442 or +966112926663 from outside Saudi Arabia. For more details, please visit the Complaint / Feedback Handling Procedures page on American Express Saudi Arabia's website.
  • For more information, please contact us on 8001195555 or visit American Express Saudi Arabia's website.
  • Non-compliance with the Terms & Conditions of American Express Saudi Arabia's credit and charge Cards may result in cancellation /suspension of your Card/Additional Cards and a negative impact on your credit bureau record. Minimum payments on your credit card may result in additional charges and fees due to the application of the Murabaha margin to the outstanding balance.
  • Paying only the minimum amount owed to us can result in additional fees and charges as well as prolonging the time to repay the full amount owed to us. For example, if you have an outstanding balance of SAR 7,000 and you choose to pay only the minimum due, it will take 81 months to settle the balance in full. The total Murabaha Margin (term cost), in this case, would be SAR 6,296.
  • The Annual Percentage Rate for American Express Saudi Arabia cards is as follows (40.64% for The American Express® Blue Card, 41.50% for The American Express® Platinum Credit Card, 40.85% for The American Express® Gold Credit Card, 41.18% for Marriott Bonvoy® American Express® Credit Card and 41.59% for the Al Fursan American Express® Credit Card and 48.21% for the Platinum Card.
  • Approval of such application shall be subject to American Express Saudi Arabia new accounts underwriting criteria application requirement in terms of documentation.
  • The Membership Rewards® bonus points are applicable on one product only per applicant.

American Express Saudi Arabia is regulated and supervised by Saudi Central Bank.