How to Apply for your Nedbank American Express Gold Credit Card

The Nedbank American Express Gold Credit Card is designed for individuals seeking a premium financial product that offers a combination of rewards, exclusive benefits, and financial flexibility.

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With its extensive rewards program and various exclusive features, this card is a valuable tool for managing finances and enhancing your lifestyle. Key benefits you will receive from this card are:

1. Rewards and discounts: Pay with your American Express Gold Credit Card and save 50% on your Nu Metro movie tickets for regular 2D and 3D movies, medium soda-and-popcorn combo, and VIP and Xtreme Nu Metro cinemas.
2. Membership reward point: You will receive 5,000 bonus points on spending R10,000 in the first 3 months. Additionally, you will earn 1 membership reward point for every R5 you spend. There is no earning limit for reward points and they never expire. Use these points for purchases or make it cash at any ATM.
3. Flexibility: Pay off your purchases within 55 days and enjoy interest-free purchases. The repayment option is very flexible. American Express Gold Credit Card is accepted in Amex merchant in-store, online, or local and international ATMs. Anytime you can change your credit limit.
4. Travel benefits: American Express Gold Credit Cardholders will get access up to 12 times a year to Bidvest Premier Club domestic lounges. You can book holidays with the Membership Rewards points. Moreover, it has discounts on local car rentals from Hertz and Avis.
5. Insurance: You will be covered with up to R4 million in travel insurance and an optional credit life insurance. Credit life insurance will cover you in case of death, disability, critical illness, or unemployment.
6. Security: American Express Gold Credit Card is chip- and PIN-enabled. On each transaction, you will get real-time SMSs. You can set your transfer and withdrawal limits using the Money app. Block or freeze your card anytime using the Money app or online banking.

Besides these, on spending more than R3,500 in a month, you will earn an Avo voucher. These benefits make the American Express Gold Card especially attractive for any individual.

However, it is important to identify how much these benefits will add value to your life.

Prerequisites

Some requirements are needed to qualify for the Nedbank American Express Gold Credit Card. You have to be over 18 years old with a minimum earning of R17,000 per month before tax.

You need to submit some documents such as:

• South African ID or passport.
•  Work permit.
•  Past 3 month’s pay slips, or stamped bank statements.

About the bank

Nedbank, currently managing R1.3 trillion in assets and employing 25,477 staff members, has a rich history dating back to 1831 when it was founded as the Bank of Good Hope Cape. Renamed in 1971 after merging with Syfrets South Africa and Union Acceptances, Nedbank has achieved several significant milestones over the years. In 1983, it became the first South African bank to offer interest on current accounts. The bank merged with Permanent Building Society in 1988 and rebranded to Nedcor in 1989.

The 2000s brought further innovation to Nedbank, including achieving carbon neutrality in 2010, launching the Nedbank Green Index in 2011, listing a green bond on the JSE in 2019, and introducing the Avo super app in 2020.

Who is this card for?

The Nedbank American Express Gold Credit Card is ideal for those looking for a card that provides financial convenience and offers a range of rewards and benefits.

On spending, you will earn membership points and make them cash ATMs. Also, you can book holidays with the reward points.

So, for those who want a card to make everyday purchases and travel often, this card will be the best fit.

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Step by step to apply for the card

To apply for the Nedbank American Express Gold Credit Card, follow these steps:

• Visit Nedbank’s official website.
• Click on personal banking.
• Click on the bank from the menu and choose credit card.
•  Find Nedbank American Express Gold Credit Card.

You will get four options. Choose any of these to apply for your card.

Apply online

•  Choose to apply online.
•  Log in with your Nedbank ID.
• Attach all the necessary documents.
•  Wait for the bank’s approval.

Apply with Online Banking

•  Click on apply on online banking.
• Log in to your Nedbank account.
•  Submit all the documents.
• Wait for the bank’s approval.

Find a branch

•  Click on Find a branch.
•  Search your location and find the nearer bank.
• Visit the branch.
• Submit your documents with the application form.
•  Once it is approved, they will contact you.

 Make a phone call

•  Call them at 0860 555 111.
•  An officer will help you to apply for the card.

Positives and negatives of the card

The American Express Gold Credit Card is popular for its rewards and benefits, especially for those who are planning to use it for daily spending. However, there are some negative sides as well.

Positive sides

• Earn membership rewards points on spending and make it cash at any ATM.
• Access to domestic airport lounges.
• Earn unlimited points on spending with no expiry.
• Earn a monthly Avo voucher.
• Interest-free purchases for up to 55 days.
• Secure and easy to manage.

Negative sides

• Require a good monthly income.
• Has monthly service, facility, and membership reward fees.
• Limited travel perks.
• A good credit score is required.

How to unlock the card?

You can use the Money App or online banking to activate the Nedbank American Express Gold Credit Card. The steps are given below:

Activate through the Money App

• Log in to your Nedbank account .
• Go to the cards section.
• Select American Express Gold Credit Card.
• Choose card management.
• Click on activate.

Activate through Online Banking

• Sign in with your Nedbank ID.
• Go to cards.
• Choose American Express Gold Credit Card
• Click on activate.

Fees and tariffs

The Nedbank American Express Gold Credit Card has a monthly service fee of R78, a credit facility fee of R21, and a membership rewards fee of R29.

It has a once-in-a-lifetime initiation fee of R180. If your card is lost, get a free replacement but if you want same-day delivery, you have to pay R450. And personal card delivery for R170.

Finally, it is possible to purchase several additional cards at no cost to share the cardholder’s benefits.

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Customer service

Nedbank Limited is committed to ensuring 24/7 assistance through customer service. A chatbot with automated replies is available on the money app or online banking. The money app is available on the Play Store, and Apple Store. Nedbank’s toll-free customer support number is 0800 555 111 and the MFC contact center number is 084 196 4473.

They are available Monday to Friday from 08:00 to 17:00 and 08:00 to 12:00 on Saturday. Email them to [email protected] and for specific vehicle finance complaints send them an email to [email protected]. Nedbank has a social media presence on Facebook, and Twitter.