American Express
The Platinum Card
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
Card highlights
- Earn 1 Membership Rewards point per AED 4 spent (250 points = USD 1), no cap, no expiry
- Unlimited complimentary lounge access: 1,700+ Priority Pass lounges and Amex Centurion Lounges, plus 1 complimentary guest
- Hotel elite status across Hilton Honors Gold, Marriott Bonvoy Gold Elite, Radisson Rewards Premium and GHA Discovery Platinum
- AED 1,100 annual travel credit, up to AED 740 dining credit a year and USD 1M travel accident insurance
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% |
| Education | 0.35% |
| Utilities | 0.23% |
| Real estate | 0.14% |
Current welcome offer
Earn 50,000 Membership Rewards points as a welcome offer
- 50,000 points when you spend USD 12,000 within 90 days
- Welcome Credit of AED 900 when you spend AED 37,000 within the first 3 months
- New Amex 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
- Pay the annual fee and make 1 transaction within 30 days of activating the card
Benefits & perks
- •Priority Pass lounge access: 1,700+ lounges in 145+ countries for cardholder and 1 guest (additional guests at USD 35 each)
- •Unlimited access to American Express Lounges and Centurion Lounges for cardholder and supplementary cardmembers
- •Delta Sky Club access when travelling on a Delta-operated flight
- •Annual travel credit of AED 1,100 on airline bookings of AED 11,000+ through Platinum Travel Service
- •Fine Hotels and Resorts: noon check-in, room upgrade, daily breakfast for 2, USD 100 hotel credit, Wi-Fi and 4pm check-out
- •The Hotel Collection: noon check-in, room upgrade, USD 100 hotel credit and 4pm late check-out (2+ night bookings)
- •Hotel elite status: Hilton Honors Gold, Marriott Bonvoy Gold Elite, Radisson Rewards Premium and more, without qualifying stays
- •International Airline Programme: 3% to 25% off First and Business Class fares with leading airlines
- •Dining credit: up to AED 740/year (AED 185/quarter) at 300+ curated restaurants, valid until 31 December 2026
- •Hertz Gold Plus Rewards Five Star status: priority service, up to 15% off, 1 car class upgrade and up to 4-hour grace period on return
- •Cruise Privileges Programme: onboard and shore excursion credits with partner cruise lines (USD 300/stateroom with select lines)
- •Complimentary VIP Card at The Bicester Village Shopping Collection for an extra 10% off purchases, valid until 31 December 2026
- •Platinum Concierge Services: recommendations, reservations and travel planning by phone or email
- •Travel accident insurance up to USD 1,000,000
- •Emergency medical treatment cover up to USD 150,000
- •Travel inconvenience cover: up to USD 300 each for flight cancellation, delay, missed connections and luggage delay
- •Personal belongings cover up to USD 2,000
- •Car rental insurance up to USD 30,000
- •Purchase protection up to USD 2,000 per occurrence (USD 50,000 per year)
- •Refund protection up to USD 550 per item (USD 1,800 per year)
- •Pay Over Time: convert purchases to instalments of 3, 6, 9 or 12 months while continuing to earn points
- •Up to 5 complimentary supplementary cards (1 Platinum, 4 Gold) for family members aged 12 and over
- •Up to 6 virtual cards at no extra cost, with customisable spending limits
About this card
- •Annual travel credit (needs AED 11,000 of travel a year): AED 1,100
- •Fine Hotels & Resorts (2 stays): about AED 2,018
- •Hotel elite status (Hilton Gold, Marriott Gold, GHA Platinum): about AED 3,500
- •Lounge access (4 visits): AED 1,908
- •International Airline Programme (1 business class trip, 10% off): AED 1,500
- •Dining credit: AED 740
- •Car rental elite status: AED 500
- •Cruise privileges: AED 300
- •Purchase protection and travel insurance: AED 500
- •Platinum concierge service: AED 728
- •Estimated total value: AED 12,794
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the American Express The Platinum Card earn?
Amex's dirham-billed Platinum charge card, with no pre-set spending limit and an AED 3,255 annual fee, earning 1 Membership Rewards point per AED 4 on most spending (about 1.41% at Perkly's Skywards-based valuation), with Priority Pass for you and 1 guest, unlimited American Express and Centurion lounges, hotel and car rental status after enrolment, and an AED 1,100 travel credit when you book AED 11,000 of flights through Amex.
What does the American Express The Platinum Card cost?
Annual fee AED 3,255 including VAT (AED 3,100 before VAT); Membership Rewards enrolment is free on this card. No joining fee. Up to 5 supplementary cards are free (1 Platinum and 4 Gold) for family members over 12; each further Platinum supplementary card costs AED 1,260 including VAT, up to 6, and each further Gold supplementary card AED 262.50 including VAT. A charge card: the balance is paid in full each month, or part of it is converted through Pay Over Time into instalment plans of 3, 6, 9 or 12 months on a dedicated limit.
What does spending abroad cost on the American Express The Platinum Card?
Spending in a currency other than the card's billing currency costs 3.087% all in (2.94% plus VAT); American Express runs its own network, so no separate scheme charge is added. Spending abroad earns the same 1 point per AED 4.
What should I watch out for with the American Express The Platinum Card?
It is a charge card with an AED 3,255 fee: the balance is due in full each month unless you move part of it to Pay Over Time. Much of the value needs action: the AED 1,100 travel credit needs AED 11,000 of flights booked through Amex, and hotel status and the dining credit need enrolment. Priority Pass covers you and 1 guest; each further guest costs USD 35.
More from American Express
American Express Gold Card
- Earn 1 Membership Rewards point per USD 1 on eligible purchases (points never expire)
- 8 complimentary Priority Pass lounge visits a year, shared with 1 Supplementary Cardmember
Updated November 2026