American Express UAE The American Express® Platinum vs HSBC Premier

The American Express® Platinum Credit Card

Minimum salary

AED 21,250

Annual fee

AED 735

First-year net

Not estimated

Ongoing annual net

Not estimated

Bank FX fee

Unverified

Reward programme

Membership Rewards

FeeBack: AED 10,000 in the first three months for first-year fee credit; AED 40,000 in the prior 12 months for subsequent fee credits.

Important conditions

Membership Rewards value varies by redemption. The dining benefit requires AED 4,000 total monthly spend and has a separate AED 50 monthly cap.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Priority Pass: 12 annual primary-card visits including guests; 8 visits for one supplementary card, also including guests.

No cinema offer verified.

Premier Credit Card

Minimum salary

AED 40,000

Annual fee

AED 0

First-year net

AED 2,240

Ongoing annual net

AED 840

Bank FX fee

2.1%; scheme charges may apply

Reward programme

HSBC Points

Important conditions

AED 0.007 per point is an illustrative redemption assumption, not a fixed bank cash rate. Non-spend bonus actions and leisure benefits are excluded.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

Eight annual lounge visits via Mastercard Travel Pass; qualifying non-AED purchase in the preceding 90 days required.

Buy 1 Get 1 cinema tickets after AED 6,000 monthly spend; current booking conditions apply.