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American Express Gold Card
  • If your travel expenses are fully or partially paid with your American Express Gold Card, SIGAL provides the following coverage:

    Travel accident insurance up to € 40,000
    Traveling / Flight delays up to € 125
    Delayed / Lost luggage up to € 375


    Delayed Luggage
    The Insurer will reimburse the cardholder up to the maximum amount of benefit in cases of delays/lost luggage. Insurer payment is limited to expenses occurred for emergency purchase of essential items needed by the cardholder while traveling outside Albania territory. In case of baggage delay, the travel company must confirm the delay and the insured cardholder must make available to insurer proof of claimed luggage at lost found office and evidence of respective delayed time for the baggage delivery.

    Insurer will pay to the insured the expenses up to €375 if the delay is more than 48 hours or luggage is lost and up to €125, if the delay is 6-48 hours.

    Traveling / Flight delays
    When there is a delay traveling for at least 6 hours for the Insured cardholder due to unexpected reasons, Insurer will reimburse expenses for meals and accommodation to the Insured up to €125. Delay should be confirmed from the transport company. Insurer will pay for the Insured expenses:

    • Up to €50 if the delay is 6-14 hours
    • Up to €75 if the delay is 14-24 hours
    • Up to €125 if the delay is more than 24 hours

    Relaxation and Accomodation in the VIP Lounge at Tirana International Airport
    o Wireless Internet Connection free of charge
    o Alcoholic and non refreshments, plus light snacks
    o Many other great benefits offered by the lounge

    Complimentary benefits at 400+ restaurants all over the world through American Express Taste
    Visit www.amexdiningprogram.com to see all the tasty offers you can get simply by using your Gold Card

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  • Interest type is fixed and interest rates are expressed on annual basis:
    • Sales: 16% (applied from billing date)
    • Cash: 19% (applied from transaction date)
    • Arrears: +10% (applied on top of the normal interest rate)
    Interest rates are subject to changes.

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  • Annual Fees
    Primary Cards: 5,500 Lek
    Additional Cards: 3,500 Lek

    Cash Advance Fees
    Alpha Bank Albania ATMs network: 1.0% per transactions, with a minimum of 200 Lek
    Other Domestic Banks ATMs: 2.5% per transaction, with a minimum of 400 Lek
    ATMs abroad: 2.5% per transaction with a minimum of 400 Lek



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  • • Application form
    • Copy of ID, passport or birth certificate of the Cardholder of the main and additional card/s
    • Any utility bill in order to certificate the address
    • In case the customer has not a payroll account in Alpha Bank Albania, a confirmation for the last three salaries and years of employment in the current company is needed.
    • Minimum monthly income: 25.000 lek

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  • Billing period
    26th of each month

    Cash Advance Limits
    Daily limit is 25% of the credit limit, while monthly limit is 50% of the credit limit.

    Payment
    Minimum payment: Total fees + charges due + 5% of the remaining due balance.

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