Product		American Express® Credit Card		To compare up to five products side-by-side: 1. Tick each product in the listing and hit the     'Compare ticked items' button.
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	User Ratings
	Overall
	Service
	Percentage users recommend product		59% recommend
	No of Reviews		From 17 Reviews
	Criteria
	Min Age		21
	Min Salary		R36000
	Product Status Level		Entry
	Product Features
	Branch Banking
	Telephone Banking
	Cellphone Banking
	Internet Banking
	Balance Transfer Offer
	Balance Transfer Rate		9.90%
	Balance Transfer Details		9.9% (max period of 6 months)
	Reward Programme
	Reward Programme Name		Amex Membership Rewards
	Rewards Earn Details		1 MR Point for R5 spend
	Rewards Redemption Details		Redeem for a range of products including local flights and regular shopping or convert to Voyager Miles (2 MR Points = 1 Voyager Mile) or Virgin Freeway Miles (1MR Point = 1 Freeway Mile)
	Introductory Offer
	Retail Discounts
	Airport Lounge Access
	Concierge Service
	Petrol Card
	Secondary Card
	Roadside Assistance
	Travel Insurance
	Budget Facility
	Account Payment Facility
	Payment Protection Insurance
	Payment Protection Insurance Details		R3.89 per R1000 of outstanding balance. Variable based on balance.
	Subscription Fees
	Basic Membership Fee		R165.00 per year
	Petrol Card Fee		Not applicable
	Reward Programme Fee		R169.00 per year
	Secondary Card Fee		R165.00 per card per year
	Internet Banking Fee		R15.00 per month
	Telephone Banking Fee		Free
	Management Fees
	Card Replacement Fee		Free
	Card Delivery Fee		R127.00
	Penalty Fees
	Penalty Fees Comments		Over Limit and Late Payment Fees only apply to accounts opened before July 2007
	Decline Auth Fee		R0.00
	Return Payment Fee		R125.00
	Debit Interest
	Debit Interest		17.2% Flat
	Debit Interest Comments
	Debit Interest Free Period		55 days
	Debit Interest Minimum Payment		10% of balance
	Credit Interest
	Credit Interest		R0-R49999 = 0.25% R50000 and up = 0.75%
	Credit Interest Comments
	Enquiry Fees
	Account and Statement Enquiry Comments
	ATM Account Enquiry Fee		R1.20
	Branch Account Enquiry Fee		R2.20
	ATM Statement Enquiry Fee		R1.20
	Branch Statement Enquiry Fee		R2.20
	Transaction Fees
	Fuel Transaction Fee		No Petrol Card
	Branch Transfer Fee		R12 Flat Fee
	Electronic Transfe Fee		R3.50 Flat Fee
	Electronic Payment Fee		R7.00 Flat Fee
	Branch Payment Fee		R12 Flat Fee
	ATM Deposit Fee		R1.20 for every R100 or part thereof (min R15)
	Branch Deposit Fee		R1.20 for every R100 or part thereof (min R15)
	Cheque Deposit Fee		Free
	Own ATM Cash Withrawal Fee		R3.50 PLUS R1 per R100 or part thereof
	Other ATM Cash Withrawal Fee		R9 PLUS R1 per R100 or part thereof
	Branch Cash Withrawal Fee		R20 PLUS R1.20 per R100 or part thereof
	International Cash Withrawal Fee		R23.25 plus R1 per R100 or part thereof.