Treat yourself and your relatives to a pleasant surprise with Membership Rewards. This rewards program is a special benefit available only to American Express® Cardholders.

For payment and withdrawal transactions made with your American Express@ Gold Card, you will receive Membership Rewards points, which you can exchange for a variety of rewards offered by the Membership Rewards program.

• Receive 1 MR point for each payment of AMD 500 with your card and for each cash withdrawal of AMD 1,000, both in Armenia and abroad.
• Accumulate MR points not only for your own transactions, but also for transactions made with attached cards issued to your relatives.
• Join the Membership Rewards program at the time of ordering the Card, and the service fee for the first year of membership in the program will be free.
• Find out more about the terms and conditions of the Membership Rewards program and the rewards offered here.

The American Express® Gold Card offers a wide range of insurance services, which includes several types of insurance coverage at the same time.

• American Express® Gold Cardholders have insurance coverage for situations such as baggage delays, damage or loss, flight delays or cancellations, as well as health problems during travel.
• Purchases made with the American Express® Gold Card are protected against price fluctuations, damage or loss during delivery, and are insured against damage or theft for 120 days from the date of purchase.
• For purchases made with the American Express® Gold Card, the warranty period provided by the trade/service point is doubled.
• The American Express® Gold Card has the highest level of security, as well as separate insurance against all possible types of fraud.
• Find more details in the limits and general terms and conditions.
• To use insurance services, you need to call the bank's 24-hour service call center at +374 10 31 99 99 or send an email to insurance@acba.amand report the incident. In the event that the letter sent by you and the documents attached to it are incomplete or missing, within 10 working days at the most, you will be informed about it by a reply letter, and if the documents are complete, you will be informed about the processing of your application. In case of a medical emergency, the Bank's call center will help you to contact the Russian-speaking service center of the international company "International SOS", which will help you with medical advice.

The Roadside assistance service provides the service of evacuation of a broken-down car on the territory of the Republic of Armenia at the order of the Cardholder.

• Ensure a safer travel experience in Armenia by taking advantage of the option to request a free towing service twice a year, in case your car breaks down, and have it delivered to any location of your choice.
• To get acquainted with the details, you can study the rules and tariffs of the Roadside Assistance service. Tariffs apply if you want to use the service with a deviation from the rules.

• If you order attached Cards for your relative, they can also enjoy all the benefits that you have with the American Express® Gold Card.
• Each time the Cardholder of the attached Card makes a payment with the Card, you receive the accumulated MR points.

The Priority Pass system includes VIP lounges at 1,300 airports in 600 cities in more than 140 countries, where you will be welcomed as a special guest as an American Express® Cardholder.

• Enjoy the relaxed atmosphere and take advantage of the hospitality, regardless of the airline you use and the class of your ticket.
• Get the opportunity to invite your guests traveling with you to Priority Pass lounges.
• Get acquainted with the rules and tariffs for the issuance and maintenance of the Priority Pass Card here.

• The American Express® Gold Card will be issued to you with the option of a credit line of at least AMD 1,000,000 and at most AMD 18,000,000.
• For each payment transaction made with credit funds, you will be given an interest-free period of up to 50 days, during which no interest is calculated for the amount used. Starting from the 21st day of the month following the completed payment transaction, interest will be calculated only on the amount used and outstanding at that time.

• Having a credit line will not prevent you from having your own funds in the form of a positive balance on the American Express® Gold Card and using them.
• Thanks to the free SMS notification service, you will receive an SMS notification after each transaction and will be able to manage your Card funds more flexibly.
• Our call center phone number, +374 10 31 99 99, is always available 24/7, from anywhere in the world. Our team of experienced professionals is always ready to provide information about your card and to help you use the services offered with the card.

Your financial informant:

fininfo.am

ATTENTION: "YOUR FINANCIAL INFORMANT" IS AN ELECTRONIC SYSTEM THAT FACILITATES THE SEARCH, COMPARISON AND SELECTION OF THE MOST EFFECTIVE SERVICE OPTION FOR THE INDIVIDUAL.

• Identity document (passport, identity card, biometric passport, etc.),
• Social services number or waiver of it,
• Certificate of income (if required)
• Other required documents at the request of the Credit Committee.