The American Express® Platinum Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 3.0/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all American Express UAE cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Membership Rewards value varies by redemption. The dining benefit requires AED 4,000 total monthly spend and has a separate AED 50 monthly cap. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 21,250
- Annual fee
- AED 735
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.6%
- Reward programme
- Membership Rewards
- Salary transfer required
- No published requirement
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.
Cashback or points earning rules, thresholds and caps
2 Membership Rewards points per AED 4; 10% dining cashback capped at AED 50 monthly after AED 4,000 monthly spend.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Membership Rewards value varies by redemption. The dining benefit requires AED 4,000 total monthly spend and has a separate AED 50 monthly cap.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
The American Express® Platinum Credit Card
Dirham Score 3.0/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
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.
View breakdown
Membership Rewards value varies by redemption. The dining benefit requires AED 4,000 total monthly spend and has a separate AED 50 monthly cap.
Calculation assumptionsRewards, fees & important conditions
Read the full The American Express® Platinum Credit Card review and fee maths
2 Membership Rewards points per AED 4; 10% dining cashback capped at AED 50 monthly after AED 4,000 monthly spend.
No cinema benefit verified. · Priority Pass: 12 annual primary-card visits including guests; 8 visits for one supplementary card, also including guests.
Monthly interest rate: 3.6%. Bank FX charge: Confirm with bank.
First-year fee waiver requires AED 40,000 spend within 365 days. Your forecast meets the spend target.
Membership Rewards value varies by redemption. The dining benefit requires AED 4,000 total monthly spend and has a separate AED 50 monthly cap.
Verified current public page embedded CMS data. Older 2023 landing-page promotion details were not used.
The dining cashback is a separate benefit; Membership Rewards points were not assigned an unverified universal cash value.
Official bank source · checked 2026-10-22Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Priority Pass: 12 annual primary-card visits including guests; 8 visits for one supplementary card, also including guests.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Verified current public page embedded CMS data. Older 2023 landing-page promotion details were not used.
- The dining cashback is a separate benefit; Membership Rewards points were not assigned an unverified universal cash value.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Premier Credit Card
HSBC · minimum salary AED 40,000
Compare The American Express® Platinum Credit Card with Premier Credit CardSolitaire Credit Card
Mashreq · minimum salary AED 25,000
Compare The American Express® Platinum Credit Card with Solitaire Credit CardCash+ Credit Card
HSBC · minimum salary AED 30,000
Compare The American Express® Platinum Credit Card with Cash+ Credit CardOfficial bank sources and application information
- The American Express® Platinum Credit Card official product terms
- American Express UAE: Official product page
- The American Express® Platinum Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.