Interest rates

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

  • Wireless Internet Connection free of charge
  • Alcoholic and non refreshments, plus light snacks
  • Many other great benefits offered by the lounge

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Visit to see all the tasty offers you can get simply by using your Gold Card

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

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

  • 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
  • Minimum monthly income: 25.000 lek
  • 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

Currency - Albanian lek    Validity - 5 years

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.

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