American Express Platinum Credit Card - Apply Amex Platinum Card in UAE

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Key Amex Platinum Card Benefits

Here are the benefits you’ll enjoy by purchasing this American Express Card —

⟳ FeeBack

You can receive a full refund of your annual card membership fee by spending at least AED 10,000 within the first 3 months. To continue enjoying this benefit every year, you need to spend at least AED 40,000 within 12 months of getting your card.

✪ Membership Rewards

On every AED 4, you can earn up to 2 Membership Rewards points (the points don’t have any expiry date). You can redeem these points with 14 airlines, thousands of hotels worldwide, and top brands. Also, you can use 'Select & Pay with Points' to pay for your transactions. You can also refer your friends to earn bonus points on every approval. Additionally, there is no earnings cap or use-by date, i.e. you can redeem your points at any time.

🍽 Dining Cashback

Whether you order in or go out for dining — locally or internationally — you can enjoy up to 10% cashback. You can save up to AED 600 annually on dining or up to AED 50 monthly. To be eligible for this card, the overall spending must be at least AED 4,000 each month. If you cancel, return, or make a fraudulent transaction, the dining cashback can be reversed.

🛒 Grocery Credit

Receive up to AED 900 annual statement credit on grocery purchases, whether made in-store or online. When you spend AED 1,000 or more on groceries or AED 4,000 monthly, you can enjoy a credit back of AED 75 each month. However, keep in mind that there may be some exclusions at selected stores.

✈ Global Airport Lounge Access

You and one supplementary card member can get access to over 1,500 airport lounges across 140 countries with Priority Pass.

Basic cardmembers can enjoy up to 12 complimentary visits annually to global airport lounges with priority pass (including guests)
Up to 8 visits annually for one supplementary cardmember (including guests)
Supplementary cardholders below 18 years are not eligible to enrol for a priority pass
If you surpass the number of complimentary visits, you may need to pay AED 129 ($35) per person for each visit

📑 Insurance

Get complete travel insurance coverage of up to AED 1,800,000. You can also enjoy coverage for retail transactions — up to AED 5,400 per occurrence and AED 180,000 per year in total. The Amex Platinum Card provides you and supplementary cardholders comprehensive insurance coverage and online fraud protection. If you have lost any item purchased with your card, the damage will be covered within 90 days.

💳 Supplementary Card

Not only you, but your supplementary card members can also enjoy 24/7 customer service and access airport lounges globally. They can access the Amex app to enjoy the convenience wherever they go. By extending your Amex Express Platinum Card benefits, you can also earn dining cashback and grocery credit benefits from their spending. Also, you can add up to 2 complementary supplementary cards for immediate family members aged 12 or older, allowing them to enjoy the same benefits.

If you need more supplementary cards, up to 7 additional cards are available for an annual fee.

What are the Eligibility Criteria to Apply for an American Express Platinum Card?

To be eligible for applying for American Express Amex Platinum card, make sure you tick the following —

Eligibility Criteria	Requirements
Age	21 years old or above
Minimum Monthly Income	AED 21,250
Annual Income (for Employed)	AED 255,000
Annual Income (for Self-employed)	AED 275,000
Nationality	UAE Resident

Note: It is advisable to connect with the bank to ask for any specific requirements before continuing your application process.

Amex Platinum Card Fees and Charges

Here are the basic charges related to the Amex Express Platinum Card —

Annual Membership Fee

Basic Card	AED 700 (AED 735 including VAT)
Supplementary Card	2 supplementary cards — Free Up to 7 cards at AED 200 each (AED 210 including VAT)

Cash Access and Other Charges

Cash Withdrawal Transaction Fee	The higher of 3% of the amount or AED 100 (3.15% or AED 150 including VAT)
Withdrawal Limit	40% of the credit limit
Monthly Fixed Interest Rate	3.25%
Annual Interest Rate	39%
Interest-Free Period of Up to	56 days
Minimum Payment	5% or AED 35 (whichever is higher)
Late Fee Payment	AED 230 (AED 241.5 including VAT)
Overlimit Fee	AED 190 (AED 199.5 including VAT)
Direct Debit Fee	AED 100 (AED 105 including VAT)
Non-Billing Currency Transactions Processing Fee	2.94% (3% including VAT)

Insurance Coverage

Retail Protection Insurance	For a 12-month period, up to AED 5,400 per insured event and AED 180,000 per cardmember
Delayed Flight, Cancellation, or Denied Boarding	Up to AED 900
Missed Connecting Flight	Up to AED 900
Delayed Luggage	Up to AED 900
Lost Luggage	Up to AED 5,400
Travel Accident Insurance	Up to AED 1,800,000

How to Apply for an Amex Platinum Card?

Here’s how you can easily apply for the Ae Platinum Card by following these simple steps —

Visit americanexpress.ae
Go to ‘Personal Cards’ and select ‘American Express Platinum Card’
Enter all the required information and click on ‘Submit’
Wait for a call back from the consultant

Other American Express Card Types

American Express Card Types
American Express Gold Credit Card	American Express Dubai Duty Free Credit Card
American Express Platinum Credit Card

Frequently Asked Questions

Ans: American Express doesn’t charge a foreign transaction fee on your transactions.

Ans: You will receive your FeeBack credit in the 5th month of the first year if you meet the eligibility criteria.

Ans: Cash withdrawals, interest charges, amounts exceeding the credit limit, fees, and balance transfers are not included in the calculation of FeeBack.

Ans: Any transactions that are cancelled, returned, or purchased on ‘Buy Now Pay Later’ are not included in the grocery purchase transactions.

Ans: No, supplementary card members cannot use the grocery credit. However, these purchases are recorded in your card account and will be used to calculate your grocery credit.

Ans: Any cancelled or returned transactions or transactions at convenience stores, supermarkets, cafeterias, meeting venues, and more are not included in the calculation of dining purchase transactions.

Ans: No, supplementary cardholders can’t get dining cashback. It is only applicable to the basic card member.

Ans: You may need to show your priority pass at one of the listed airport lounges along with additional documents like a boarding pass, ID, and more.

Ans: The amenities depend on the lounge location. You may access the conference rooms by paying an additional fee.