American Express
The American Express Platinum Credit Card
The The American Express Platinum Credit Card is a rewards credit card from American Express. It has an annual fee of AED 735, and needs a minimum salary of AED 21,250 a month.
Annual fee
AED 735
Joining fee
Free
Min. salary
AED 21,250/mo
Rewards in
Membership Rewards Points
Min. monthly spend
AED 4,000
Material
Plastic
Card highlights
- Earn 2 Membership Rewards Points per AED 4 (0.5 pts/AED) on all spend, points never expire
- Transfer points to 14 airline partners (incl. Emirates Skywards, BA Avios, Etihad) and 3 hotel partners
- 12 complimentary Priority Pass lounge visits a year (1,400+ lounges) plus 8 for a supplementary cardholder
- AED 75 monthly grocery credit and 10% dining cashback (up to AED 50/month)
Earn rates
| Category | Rate |
|---|---|
| Travel | 2.82% |
| Retail | 2.82% |
| Supermarket | 2.82% |
| Dining & food | 2.82% |
| Fuel | 2.82% |
| Transport | 2.82% |
| Online shopping | 2.82% |
| International spend | 2.82% |
| Utilities | 1.98% |
| Education | 0.71% |
| Real estate | 0.28% |
Current welcome offer
Earn 30,000 Membership Rewards points plus your annual fee credited back
- 30,000 Membership Rewards points awarded upon approval
- Annual fee credited back when you spend AED 10,000 within the first three months
- In subsequent years, spend AED 40,000 in the preceding 12 months to receive the fee credit
Benefits & perks
- •Airport lounge access via Priority Pass at 1,400+ lounges worldwide: 12 visits/year for primary cardholder, 8 for one supplementary cardholder
- •10% cashback on dining: up to AED 50/month (requires AED 4,000 monthly spend)
- •AED 75 monthly statement credit on grocery spend
- •Retail protection insurance against theft or accidental damage: up to AED 19,800 per claim
- •Travel accident insurance: up to AED 1,800,000 worldwide
- •Membership Rewards points transferable to 14 airline partners (Emirates Skywards, Etihad Guest, British Airways Avios and more) and 3 hotel partners
- •Membership Rewards points never expire
- •Up to 2 complimentary supplementary cards for immediate family members (aged 12+)
- •Exclusive dining, shopping and entertainment offers via Amex MENA App
- •Access to exclusive American Express Invites events in dining, shopping and entertainment
- •Fraud protection guarantee for unauthorised charges
About this card
- •12 lounge visits per year: about AED 1,404
- •Dining cashback: up to AED 600 per year
- •Grocery credit: up to AED 900 per year
- •Retail protection insurance: about AED 200
- •Travel accident insurance: about AED 300
- •Amex Offers and exclusive invites: about AED 200
- •Fraud protection and other benefits: about AED 100
Every card is checked against official bank sources. Last updated July 2026.
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More from American Express
The American Express Gold Credit Card
- Earn 1 Membership Rewards Point per AED 4 on all eligible spend, points never expire
- Transfer points to 14 airline partners including Emirates Skywards, Etihad and BA Avios
Updated July 2026
The American Express Gold Card
- Earn 1 Membership Rewards Point per USD 1 (AED 3.67) on all purchases, no category restrictions
- Points transfer to 14 airlines (Emirates Skywards at 2:1, Avios, Etihad) and 4 hotel programmes (Marriott Bonvoy 1:1)
Updated July 2026
The Platinum Card
- Earn 1 Membership Rewards Point per AED 4 on all spend, transfer to 14+ airline and hotel partners including Emirates Skywards (2:1)
- Unlimited lounge access to 1,300+ lounges and 30 Centurion Lounges for primary and supplementary cardmember
Updated July 2026
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