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Card	American Express® Credit Card	American Express® Gold Credit Card	American Express® Card	American Express® Gold Card

Financial features

Grace period	Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 days

Credit line	Available credit limit up to 300 000 rubles^*	Available credit limit up to 600 000 rubles*	Available credit limit up to 300 000 rubles*	Available credit limit up to 600 000 rubles*

ATMs	Access to a network of over 650,000 cash machines/ATMs worldwide	Access to a network of over 650,000 cash machines/ATMs worldwide	Access to a network of over 650,000 cash machines/ATMs worldwide	Access to a network of over 650,000 cash machines/ATMs worldwide

Possibility of having the supplementary cards	Yes	Yes	Yes	Yes

Monthly account statement	Yes	Yes	Yes	Yes

Year-end summary of charges	—	—	—	Yes

WORLDWIDE STANDARDS OF SERVICE

24/365 Customer service	Yes	Yes	Yes	Yes

Free card replacement	Yes	Yes	Yes	Yes

Discounts in shops and restaurants from American Express Selects program	Yes	Yes	Yes	Yes

Insurance and Traveling

Travel accident insurance	Up to 20.000 US dollars	Up to 150.000 US dollars	Up to 150.000 US dollars	Up to 250.000 US dollars

Travel Inconvenience Insurance	—	—	—	Flight delay/cancellation, Baggage delay, Involuntary denial of boarding, Missed connection – up to $250, Baggage loss – up to $1000

Individual travel services Gold Travel Service	—	—	—	Yes

Access to 2200 American Express Travel Offices in over 140 countries	Yes	Yes	Yes	Yes

^* The sum of credit limit is defined individually for each cardmember

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