American Express Platinum Credit Card UAE targets residents who want a single card for rewards, travel, and everyday spending.
Higher-income employees and self-employed professionals gain cashback on dining, grocery statement credits, lounge visits, and layered insurance. Minimum monthly income starts at AED 21,250, with an annual fee of AED 735 including VAT, so this product clearly sits in the premium tier of the UAE market.
According to American Express Middle East and major UAE credit card comparison sites, the card combines Membership Rewards points, FeeBack on early spending, and airport lounge access, positioning it against many bank-issued premium cards.
Overview Of The American Express Platinum Credit Card UAE
Core design focuses on everyday spending that frequently touches dining, groceries, and occasional travel. Cardmembers earn Membership Rewards points on nearly every AED spent, then layer in dining cashback, grocery credits, and airport lounge visits.
Coverage for travel accidents, flight disruptions, and retail purchases supports bigger-ticket travel and shopping when plans shift unexpectedly.
Amex Platinum UAE benefits are therefore most useful when monthly spending already includes dining, groceries, and occasional international travel.
Issued by American Express Middle East
This credit card is issued by American Express Middle East to UAE residents aged at least twenty-one who meet the income criteria.
Employed applicants need at least AED 255,000 in annual income, equal to AED 21,250 a month, while self-employed applicants must show at least AED 275,000 in yearly earnings.
The product functions as a standard revolving credit card, with a fixed monthly interest rate of 3.25 percent on carried balances, equivalent to 39 percent annually, plus up to fifty-six days of interest-free purchases when statements are paid on time.
Eligibility, Income Requirements, and Fees
Many people confuse the American Express Platinum Credit Card UAE with The Platinum Card, which is a separate, more exclusive charge product.
Getting the eligibility and fee structure clear helps prevent disappointment during application or later sticker shock when annual charges appear.
Income thresholds, annual fees, and earn rates differ, even though both products sit under the Platinum label. Checking which framework suits your budget and lifestyle avoids forcing spending simply to “chase value.”
| Feature | Platinum Credit Card (UAE) | The Platinum Card (Charge) |
|---|---|---|
| Typical Use Case | Premium everyday and travel spending | Heavier travel and luxury lifestyle focus |
| Minimum Income (employed) | AED 21,250 per month | AED 30,605 per month |
| Annual Fee (incl. 5% VAT) | AED 735 | AED 3,255 |
| Membership Rewards Earn Rate | 2 points per AED 4 spent | 1 point per AED 4 spent |
| Airport Lounge Access Headline | Up to 12 visits for primary, 8 for one supplementary | Complimentary access at 1,700+ lounges |
Applicants dealing specifically with the American Express Platinum income requirement should treat AED 21,250 in monthly salary as the baseline for the credit card, not the charge card.
Late payment fees, over-limit fees, and foreign currency conversion charges follow the detailed Schedule of Fees and Charges published by American Express Middle East, so checking that document before applying makes sense for anyone who sometimes carries a balance.
Product terms, including fees and minimum income, may change, so current information should be confirmed against official American Express UAE materials.
Rewards Structure and Membership Rewards Points
Reward mechanics sit at the center of this product’s appeal. Cardmembers earn 2 Membership Rewards points for every AED 4 spent on the card, including qualifying purchases made on supplementary cards that post to the same account.
According to American Express and UAE comparison portals, welcome offers have recently included around 30,000 Membership Rewards points when new cardmembers spend AED 10,000 within the first three months, combined with FeeBack that credits back the first year’s annual fee.
Single Membership Rewards
Points accumulate into a single Membership Rewards balance that does not expire while the account stays in good standing. Redemptions cover flights through more than fourteen airline partners, hotel stays at thousands of properties worldwide, and merchandise from fashion and electronics brands.
Statement credits through “Select & Pay with Points” allow you to wipe out eligible transactions directly, which effectively turns points into flexible cashback.
Referral bonuses also play a role, since inviting friends to the American Express ecosystem can generate additional points for both parties when eligibility conditions are met.
Dining Cashback and Grocery Credits
Large portions of urban spending in the UAE flow into restaurants, cafés, and supermarket trips, so the issuer leans heavily on those categories.
Cashback and credits are structured annually, which means planning your usage pattern across the calendar year matters for extracting full value.
Limits are clearly defined, helping prevent surprises later when expecting further credits that have already been capped. Anyone who regularly entertains or feeds a family can align their budget against those caps to gauge potential savings.
- Earn 10 percent dining cashback on eligible restaurant spending worldwide, capped at AED 600 in total rebates each year, making the card a practical American Express dining cashback card for frequent diners.
- Receive up to AED 900 in grocery statement credits annually, across in-store and online supermarket purchases, which effectively turns the grocery credit American Express UAE feature into a predictable offset against your food budget.
- Track these dining and grocery benefits through the Amex MENA app features, where monthly statements and cashback summaries highlight how close you sit to each yearly ceiling.
- Combine category benefits with Membership Rewards points, since eligible dining and grocery transactions generate points on top of the cashback or credits.
Travel Insurance, Lounge Access, and Protection
Travel benefits align well with regional travel patterns out of the UAE, covering both business and leisure trips.
The card includes complimentary Priority Pass-based access to global airport lounges, structured as up to twelve visits per year for the basic cardmember, including guests, and up to eight visits annually for one supplementary cardmember.
Amex Platinum lounge access is therefore best for individuals or couples who fly several times a year and prefer to wait in quieter spaces before departure.
Travel Accident Insurance
Travel accident insurance provides coverage up to AED 1,800,000 when trips are booked on the card, alongside compensation for delayed flights, missed connections, delayed baggage, and lost luggage within defined limits.
Retail Protection Insurance covers eligible purchases against damage or theft up to AED 5,400 per insured occurrence and AED 180,000 per twelve-month period, according to the official fee schedule and insurance summary.
Fraud Protection Guarantee and 24/7 Global Assist services enhance operational security by investigating unauthorized transactions and enabling genuine travel emergencies to be escalated quickly through American Express support channels.
Digital Features, Supplementary Cards, and Instalment Plans
Digital servicing features aim to keep control close to hand rather than tied to call centers.
Account management runs through online services and the Amex MENA app, where you can review transactions, lock or unlock the card, adjust some spending settings, and monitor Membership Rewards balances.
Virtual card issuance supports instant online use while the physical plastic is in transit, and compatibility with common digital wallets accommodates contactless payments through smartphones and wearables.
American Express Supplementary Cards UAE Options
American Express supplementary cards in the UAE include up to two complimentary supplementary credit cards, with the ability to request additional cards for a fee, allowing family members to share the same rewards pool.
Spending limits per supplementary card can often be customized, which helps parents control household or dependent spending.
Plan It instalment plans break down larger purchases into equal monthly payments over three, six, nine, or twelve months at clearly stated interest rates, while transactions enrolled in these plans still earn Membership Rewards points as usual.
How To Apply Online For The American Express Platinum Credit Card
Application flows rely heavily on digital channels, making the process straightforward for applicants who already hold an Emirates ID and stable income proofs. Pre-checking eligibility against the income and residency criteria prevents avoidable declines and hard pulls.
Required documentation usually includes identification, proof of address, and evidence of employment or business income. Most applicants complete the process either through the official website or via the dedicated regional mobile application.
- Check that age, UAE residency, and income meet the stated criteria for the Platinum Credit Card rather than the Platinum Card.
- Gather the usual documents, including Emirates ID, passport, and visa copy, recent salary certificates or payslips, and bank statements, or trade license and financials for self-employed applicants.
- Start the online form on the American Express UAE website or in the Amex MENA app, and carefully enter your personal, employment, and contact details.
- Upload or submit supporting documentation as requested, then consent to the credit check and review of your application.
Wait for the approval decision; once approved, a virtual card can typically be issued quickly, while the physical card and any chosen supplementary cards arrive according to courier timelines, completing the Amex Platinum application process.
Who This Card Suits and Key Trade-Offs
Best results usually appear for cardmembers who already spend meaningfully on dining and groceries, travel several times a year, and prefer concentrating most expenditures on a single premium card.
Someone whose monthly income sits well above the minimum threshold, and who can comfortably clear the balance every statement cycle, gets far more value than someone carrying interest at a 39 percent annual rate.
According to sources such as Paisabazaar UAE and CreditCardFinder UAE, the combination of a 30,000-point welcome offer, FeeBack on early spend, dining cashback, grocery credits, and airport lounge visits positions this card strongly against many local premium products.
Higher Income Requirement and Annual Fee
Some cardholders also report targeted retention offers that encourage annual spending around AED 40,000 or higher to maintain enhanced value, although these thresholds and promotions remain discretionary and can change without notice.
Anyone considering The Platinum Card instead needs to weigh a significantly higher income requirement and annual fee against richer travel credits, broader lounge access, and more extensive hotel status benefits.
Information in this guide reflects American Express UAE materials and leading UAE comparison sites as of early 2026, so checking current terms directly with American Express before applying remains essential.
Last Thoughts
Overall, the American Express Platinum Credit Card UAE delivers strong value for higher-income cardholders who often spend on dining, groceries, and travel.
If your salary comfortably clears the AED 21,250 threshold and balances are paid in full, rewards and credits can offset the AED 735 annual fee over a year.
Take a moment to compare your spending pattern and travel plans against the benefits, then apply only if the mix still looks sustainable after fees and interest.
Disclaimer
This site provides general information on credit cards and payment products, not financial, legal, or tax advice; always verify rates, fees, and terms with the issuing bank before applying.
