Platinum Credit Card

Complimentary access to over 1,700 airport lounges in 145+ countries through Priority Pass membership. Basic cardmember receives 12 annual visits; one supplementary cardmember receives 8 annual visits, both inclusive of guests.

How often

12 uses a year

How to use it

Activate in the bank's app — Enroll via Priority Pass Mobile App or AMEX MENA app/Online Services. Present Priority Pass card or mobile app at participating lounges.

Caps and limits

12 visits per year for basic cardmember, 8 visits per year for one supplementary cardmember. Incremental fee of US$35 per person for visits exceeding annual allowance.

Exclusions

Supplementary cardmembers under 18 years old are not eligible. Some lounges do not permit guests or require cardmembers to be 21+ years old.

Where

International

“A maximum of twelve (12) complimentary airport lounge visits per year are available to enroled Basic Cardmembers”

Source: https://www.americanexpress.ae/en-ae/terms-and-conditions/platinum-credit-benefits/ · Last checked 24 Aug 2026

Annual membership fee of AED 700 (AED 735 inclusive of VAT) is credited back when spending thresholds are met: AED 10,000 in first 3 months for year 1, or AED 40,000 in 12 months for subsequent years.

How often

Yearly

How to use it

Applied automatically

Caps and limits

First year: AED 10,000 spend in 3 months. Subsequent years: AED 40,000 spend in 12 months prior to anniversary.

Exclusions

Delinquent cardmembers, closed/terminated accounts, transactions exceeding credit limit, unpaid minimum payments, and refunded transactions do not qualify.

Where

All emirates

“the Annual Cardmembership Fee on an American Express Platinum Credit Card will be credited back to a Cardmember's Statement of Account”

Source: https://www.americanexpress.ae/en-ae/terms-and-conditions/platinum-credit-benefits/ · Last checked 24 Aug 2026

10% cashback on eligible dining transactions (restaurant, in-store or online) up to AED 50 per calendar month when minimum AED 4,000 monthly spend threshold is met.

How often

Monthly

How to use it

Applied automatically

Caps and limits

10% cashback capped at AED 50 per calendar month. Requires minimum AED 4,000 overall monthly spend.

Exclusions

Transactions at convenience stores, supermarkets, grocery stores, cafeterias, caterers, theatre clubs, meeting venues, and restaurants within hotels/food courts may not qualify.

Where

All emirates

“A cashback of 10% will be applied on Eligible Dining Purchase Transactions up to a maximum of AED 50 cashback per Calendar Month”

Source: https://www.americanexpress.ae/en-ae/terms-and-conditions/platinum-credit-benefits/ · Last checked 24 Aug 2026

Statement credit of AED 75 per calendar month on grocery purchases when minimum AED 4,000 overall monthly spend and AED 1,000 grocery spend thresholds are met.

How often

Monthly

How to use it

Applied automatically

Caps and limits

AED 75 credit per calendar month. Requires minimum AED 4,000 overall spend and AED 1,000 grocery spend per month.

Exclusions

Transactions at departmental stores, aggregator applications, Buy-Now-Pay-Later providers, and delivery service apps may not qualify as eligible grocery transactions.

Where

All emirates

“A statement credit of AED 75 will be credited to the Basic Cardmember's Card Account per Calendar Month”

Source: https://www.americanexpress.ae/en-ae/terms-and-conditions/platinum-credit-benefits/ · Last checked 24 Aug 2026

Coverage for eligible items purchased with the card that are stolen or accidentally damaged within 90 days. Up to AED 5,400 per occurrence and AED 180,000 per cardmember in any 12-month period.

How often

Always on

How to use it

Applied automatically — Cardmembers must submit claims online or via Amex MENA app using policy number AMEX13.

Caps and limits

Up to AED 5,400 per insured occurrence and AED 180,000 per cardmember in any 12-month period.

Where

All emirates

“Any eligible items bought with your Card that are stolen or accidentally damaged within 90 days are covered”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-platinum-credit-card/ · Last checked 24 Aug 2026

Travel insurance covering delayed flights (up to AED 900), missed connections (up to AED 900), luggage delays (up to AED 900), lost luggage (up to AED 5,400), and travel accident insurance (up to AED 1,800,000).

How often

Always on

How to use it

Applied automatically — Coverage is automatic for cardmembers. Submit claims online or via Amex MENA app using policy number AMEX13.

Caps and limits

Delayed flight: AED 900 per occurrence. Missed connection: AED 900 per occurrence. Luggage delay: AED 900 per occurrence. Lost luggage: AED 5,400 per occurrence. Travel accident: AED 1,800,000.

Where

International

“Comprehensive Travel Insurance up to 1,800,000 and Retail Protection Insurance up to 5,400 per insured occurrence”

Source: https://www.americanexpress.ae/en-ae/cards/the-american-express-platinum-credit-card/ · Last checked 24 Aug 2026