Travel
American Express
The Platinum Card
The The Platinum Card is a travel credit card from American Express. It has an annual fee of AED 3,255, and needs a minimum salary of AED 30,605 a month.
Annual fee
AED 3,255
Joining fee
Free
Min. salary
AED 30,605/mo
Rewards in
Membership Rewards Points
Material
Metal
Card highlights
- 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
- Auto-enrolled into Hilton Gold, Marriott Gold Elite, GHA DISCOVERY Platinum and 3 more hotel status tiers
- Fine Hotels and Resorts at 1,600+ properties: breakfast, upgrade, 4PM checkout and USD 100 credit per stay
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.41% |
| Retail | 1.41% |
| Supermarket | 1.41% |
| Dining & food | 1.41% |
| Fuel | 1.41% |
| Transport | 1.41% |
| Online shopping | 1.41% |
| International spend | 1.41% |
| Utilities | 0.99% |
| Education | 0.35% |
| Real estate | 0.14% |
Current welcome offer
Earn up to AED 2,000 in welcome credits
- AED 1,100 shopping credit upon digital application approval
- AED 900 welcome credit for spending AED 37,000 within the first 3 months
Benefits & perks
- •Unlimited lounge access to 1,300+ lounges in 140+ countries via Priority Pass (primary and supplementary cardmember, including guests)
- •Access to 30 Centurion Lounges globally
- •Fine Hotels & Resorts (FHR): late 4pm check-out, room upgrade, daily breakfast for 2, USD 100 amenity credit and noon check-in at 1,600+ properties
- •AED 1,100 annual travel credit redeemable via Platinum Travel Service
- •Automatic hotel elite status: Hilton Honors Gold, Marriott Bonvoy Gold Elite, GHA Discovery Platinum and more
- •Discounted Business and First Class fares via the International Airline Programme (Emirates, Etihad, Qatar Airways and more): up to 10-16% off
- •AED 200 annual dining credit at 300+ curated restaurants across the UAE and the region
- •The Hotel Collection: room upgrade and USD 75 hotel credit (2-night minimum stay)
- •24/7 Platinum Concierge Service for travel planning, restaurant reservations and event access
- •Automatic elite status with partner car rental programmes (Hertz, Avis and others): includes class upgrades and priority service
- •Cruise Privileges Programme: onboard and shore excursion credits with premium cruise partners
- •Exclusive access to dining, shopping and entertainment events via American Express Invites
- •Worldwide travel accident insurance up to USD 1,000,000
- •Car rental travel insurance up to USD 30,000
- •Travel inconvenience cover
- •Purchase protection: up to USD 2,000 per claim against theft or accidental damage
- •Refund protection: up to USD 550 if a merchant refuses a return within 90 days
- •Full Platinum benefits extended to supplementary cardmember
- •No pre-set spending limit (charge card)
About this card
- •Annual travel credit: AED 1,100
- •Fine Hotels & Resorts (2 stays): about AED 2,018 (USD 100 amenity credit, daily breakfast, late checkout, and upgrade)
- •Hotel elite status (Hilton Gold, Marriott Gold, GHA Platinum): about AED 3,500 per year
- •Lounge access (4 visits): AED 1,908
- •International Airline Programme (1 business class trip, 10% saving): about AED 1,500
- •Dining credit: AED 734
- •Car rental elite status: about AED 500
- •Cruise privileges: about AED 300
- •Purchase protection and travel insurance: about AED 500
- •Platinum concierge and exclusive invites: about AED 728
Every card is checked against official bank sources. Last updated July 2026.
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