Rewards
American Express
The American Express Card
The American Express Card is a rewards credit card from American Express. It has an annual fee of AED 366.33, and needs a minimum salary of AED 18,400 a month.
Annual fee
AED 366.33
Joining fee
Free
Min. salary
AED 18,400/mo
Rewards in
Membership Rewards Points
Material
Plastic
Card highlights
- Earn 1 Membership Rewards Point per USD 1 on eligible purchases
- Points never expire and redeem with airlines, hotels, brands and Pay with Points
- Up to USD 100,000 travel accident insurance plus USD 750 travel inconvenience cover
- Save up to 50% on hotel stays via Unravel travel platform
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.54% |
| Retail | 1.54% |
| Supermarket | 1.54% |
| Dining & food | 1.54% |
| Fuel | 1.54% |
| Transport | 1.54% |
| Online shopping | 1.54% |
| International spend | 1.54% |
| Utilities | 1.08% |
| Education | 0.38% |
| Real estate | 0.15% |
Current welcome offer
Earn 5,000 welcome Membership Rewards points
- 5,000 points when you spend USD 4,000 within 90 days
- New cardmembers only, applied online or via the Amex MENA app by 31 December 2026
- Must not hold, or have held in the past 6 months, a basic card issued by Amex in the UAE
- Enrolment in Membership Rewards, payment of the annual fee, and 1 transaction within 30 days of activation required
Expected offer expiry: December 2026
Benefits & perks
- •Retail protection insurance: up to USD 1,000 per occurrence and USD 30,000 per year, covering theft and accidental damage for 90 days
- •Travel accident insurance: up to USD 100,000
- •Travel inconvenience insurance: up to USD 750 covering flight delays, cancellations, missed connections and lost or delayed luggage
- •Unravel travel platform: save up to 50% on hotel stays globally and 10% off all bookings when you pay with the card
- •Pay Over Time: convert part of your balance into instalments of 3, 6, 9 or 12 months via the Amex MENA app
- •Up to 9 supplementary cards for immediate family members (aged 12+), each sharing the same card benefits
- •Virtual cards: up to 6 at no extra cost, with spending limits you control
- •Fraud protection guarantee: no liability for fraudulent charges when reasonable care is taken
Every card is checked against official bank sources. Last updated September 2026.
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More from American Express
RewardsWelcome offer
American Express Gold Credit Card
- Earn 1 Membership Rewards Point per AED 4 spent, points never expire and no cap on earnings
- Transfer points to 14 airline partners (including Emirates Skywards, Etihad Guest, British Airways) and 3 hotel partners
AED 414.75/yrView card
Updated September 2026
RewardsWelcome offer
American Express Platinum Credit Card
- Earn 1 Membership Rewards Point per AED 2 spent, transferable to 14 airline and 3 hotel partners
- 12 Priority Pass lounge visits a year (basic card) plus 8 visits a year for 1 supplementary cardmember, guests included in allowance
AED 735/yrView card
Updated September 2026