The Platinum Card

Unlimited complimentary access to American Express airport lounges (located in Argentina, Australia, India, Mexico, and USA) for cardmember.

How often

Always on

How to use it

Applied automatically

Exclusions

Gold and Green supplementary cardmembers not eligible.

Where

International

“The Platinum Cardmembers have unlimited complimentary access to American Express Lounge locations.”

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

Unlimited complimentary access to The Centurion Lounge network globally for cardmember with valid boarding pass for same-day travel.

How often

Always on

How to use it

Applied automatically

Caps and limits

Access subject to space availability; must present card, boarding pass, and ID.

Exclusions

Gold and Green supplementary cardmembers not eligible; cardmember must be 18+ years old.

Where

International

“Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge.”

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

Complimentary access to Delta Sky Club lounges for cardmembers travelling on same-day Delta-operated flights.

How often

Always on

How to use it

Applied automatically

Caps and limits

Access limited to 3 hours before departure time; guests charged separately.

Exclusions

Not eligible with Basic Economy fares; cardmember must be 18+ years old (21+ for self-service bar locations); guest must also fly on same-day Delta flight.

Where

International

“Basic and Supplementary Platinum Cardmembers travelling on a Delta operated flight.”

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

Complimentary access to Priority Pass airport lounges for cardmember and one accompanying guest at over 1,700 lounges globally.

How often

Always on

How to use it

Applied automatically

Caps and limits

One complimentary guest per visit; additional guests charged separately.

Exclusions

Supplementary cardmembers under 18 not eligible for Priority Pass; Gold supplementary cardmembers limited to 8 visits per annum.

Where

All emirates

“When visiting a Priority Pass lounge that admits guests, Platinum Card Members receive complimentary access along with one accompanying guest.”

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

Earn 4X Membership Rewards points for every USD 1 spent at Bulgari boutiques.

How often

Always on

How to use it

Applied automatically — Automatically earned at Bulgari boutiques; no separate activation required.

Where

International

“Earn 4X Membership Rewards points for every US$1 spent at Bulgari Boutiques”

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

Quarterly dining credits up to AED 740 annually (AED 185 per quarter) at curated partner restaurants when enrolled and dining.

How often

4 uses a quarter

How to use it

Activate in the bank's app — Enrol through Amex MENA app: Services > Card Benefits > Manage my Benefits > Enrol to Dining Credit; then dine at 300+ curated restaurants.

Caps and limits

Up to AED 740 per calendar year; AED 185 credited per quarter upon dining at participating restaurants.

Exclusions

Limited-time offer valid until 31 December 2026.

Where

All emirates

“Each quarter, up to 185 will be credited to your account when you enrol and dine at a curated selection of restaurants designed for you”

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

Elite benefits at Fine Hotels + Resorts properties including 12pm check-in, room upgrade, daily breakfast for two, USD 100 credit, complimentary Wi-Fi, and 4pm check-out.

How often

Per event

How to use it

Call the concierge line — Contact Platinum Services to book at participating FHR properties; charges for benefits billed to hotel room.

Caps and limits

Three-room limit per stay; back-to-back stays within 24 hours counted as one stay.

Exclusions

Booking must be made through American Express Travel; cardmember must be travelling on itinerary; breakfast varies by property (minimum AED 120 value daily for two); benefits subject to availability.

Where

International

“Each eligible FHR booking includes the following program benefits: 12pm check-in, when available Room upgrade upon arrival, when available 2 Daily breakfast for two $100 credit towards eligible”

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

One-time fast-track upgrade to GHA DISCOVERY Platinum status with benefits including 6% back in DISCOVERY Dollars, room upgrades, 10% member rates, late checkout until 3pm, welcome amenity, and exclusive offers.

How often

Always on

How to use it

Activate in the bank's app — Fast-track upgrade to GHA DISCOVERY Platinum available through Amex; enrol via GHA DISCOVERY platform; present digital card and eligible Platinum card at check-in.

Caps and limits

One-time fast-track upgrade valid until 30 June 2028; Status Sharing benefit excluded.

Exclusions

Name on Amex card must match GHA DISCOVERY profile; several benefits subject to availability.

Where

International

“Earn D$: Get 6% back in DISCOVERY Dollars (D$), the programme's rewards currency. Spend D$: Redeem D$ on eligible stays and purchases. Member Rates: Save 10% or more at participating hotels.”

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

Complimentary Hertz Gold Plus Rewards Five Star tier enrollment with benefits including priority service, up to 15% discount, car-class upgrade, and additional perks.

How often

Always on

How to use it

Call the concierge line — Contact Platinum Travel Service to enrol; maintain Five Star tier while eligible cardmember.

Caps and limits

Discount up to 15% on standard rates; one car-class upgrade per rental subject to availability; grace period up to 4 hours.

Exclusions

Benefits vary by market and location; additional Hertz terms apply.

Where

International

“- Priority service at the counter - Up to 15% discount off standard rates - One car-class upgrade, subject to availability - Up to 25% off Prestige Collection rentals kept over a Saturday night”

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

Complimentary Hilton Honors Gold elite status with benefits including room upgrades, 80% bonus points on base points, complimentary breakfast, 5th night free on reward stays, and more.

How often

Always on

How to use it

Call the concierge line — Contact Platinum Travel Service to enrol; maintain status as long as card remains active and in good standing.

Caps and limits

Status maintained without meeting otherwise required night criteria while cardmember remains eligible.

Exclusions

Not combinable with Fine Hotels + Resorts benefits; upgrades at discretion of hotel on space-available basis; certain room categories excluded.

Where

International

“- Space-available room upgrades to preferred rooms at select brands - 80% Bonus on all the Hilton Honors Base Points you earn - Enjoy complimentary Continental Breakfast at select brands outside the”

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

Benefits at The Hotel Collection properties including 12pm check-in, room upgrade, USD 100 credit, and 4pm late check-out for stays of 2+ consecutive nights.

How often

Per event

How to use it

Call the concierge line — Contact Platinum Services to book 2+ consecutive nights at THC properties; charges billed to hotel room.

Caps and limits

Minimum 2 consecutive nights required; three-room limit per stay; back-to-back stays within 24 hours counted as one stay.

Exclusions

Booking must be made through American Express Travel; cardmember must be travelling; benefits subject to availability.

Where

International

“Each eligible THC booking includes the following program benefits: 12pm check-in, when available Room upgrade upon arrival, when available 2 $100 credit towards eligible charges 3 4pm late check-out”

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

Complimentary Meliá Rewards Gold membership with benefits including late check-out (4pm city/2pm resort), 13 points per EUR/USD, complimentary Wi-Fi, welcome points, breakfast discount, and 20% discount vouchers.

How often

Always on

How to use it

Call the concierge line — Contact Platinum Travel Service to enrol in MeliáRewards programme; maintain status while cardmember.

Caps and limits

Discount vouchers redeemable within 1 calendar year; benefits vary by property.

Exclusions

Not fully combinable with Fine Hotels + Resorts program; benefits subject to availability.

Where

International

“4pm late check-out at city hotels and 2pm late check-out at resort hotels (except in the event of 100% occupancy) Earn 13 points for every Euro or US$ on your booking Complimentary Wi-Fi in all”

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

Complimentary Radisson Rewards Premium status with 27 points per USD spent, 15% member rate, 10% F&B discount, early check-in, late check-out, and priority services.

How often

Always on

How to use it

Call the concierge line — Enrol in Radisson Rewards programme via Platinum Travel Service; maintain Premium status while eligible cardmember.

Caps and limits

Status maintained while cardmember remains eligible and account in good standing.

Where

International

“Earn 27 points / $ spend Member Only Rate of up to 15% Priority Line 10% Food & Beverage discount Discount Booster up to 20% Free early check-in and late check-out”

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

10% discount on all Unravel travel platform bookings site-wide plus up to 50% savings on 3.5 million hotel stays globally when paying with Platinum Card.

How often

Always on

How to use it

Redeem on a website — Book through Unravel platform (www.unravel.com) and pay with Platinum Card at checkout; discount automatically applied.

Caps and limits

10% discount applies site-wide; up to 50% savings on eligible hotel stays; discount automatically applied at checkout.

Where

International

“Save up to 50% on all 3.5 million hotel stays globally 10% off all bookings, site-wide”

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

Earn 1 Membership Rewards point for every AED 4 spent on eligible purchases; points never expire and can be redeemed with airline/hotel partners or merchandise from leading brands.

How often

Always on

How to use it

Redeem on a website — Redeem points through Amex MENA app or Online Services at Membership Rewards Catalog; use SafeKey Pay with Points at online merchants or app-based redemption.

Caps and limits

No earnings cap; no use-by date; redeemable for flights, hotels, merchandise, or cash equivalents.

Exclusions

Points not earned on Travel Credit value or supplementary cardmember purchases counted separately.

Where

All emirates

“Every time you make any purchase with your Amex Platinum Card, from groceries to tickets for a much-needed holiday, you will earn 1 Membership Rewards® point on every 4 you spend on eligible”

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

Complimentary VIP Card for The Bicester Village Shopping Collection providing additional 10% savings on purchases plus exclusive offers.

How often

Always on

How to use it

Activate in the bank's app — Complimentary VIP Card automatically provided; enrol through card benefits or request at enrollment.

Caps and limits

Valid until 31 December 2026.

Where

International

“Complimentary VIP Card* for an additional 10% saving on your purchases plus more.”

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

24/7 concierge services for restaurant reservations, event bookings, travel planning, shopping recommendations, and lifestyle assistance.

How often

Always on

How to use it

Call the concierge line — Contact Platinum Services on card number for reservations, recommendations, and assistance.

Where

All emirates

“Your Platinum Concierge is a great resource for all sorts of advice and recommendations on almost everything, from flowers to fashionable places to eat.”

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

Up to 6 virtual cards (1 for primary cardholder + up to 5 for supplementary cards) with customizable spending limits for online shopping and digital wallets.

How often

6 uses, always on

How to use it

Activate in the bank's app — Set up in Amex MENA app under card account; instant issuance at no extra cost; add to digital wallets (Apple Pay, Google Pay).

Caps and limits

Up to 6 virtual cards maximum; each with individual customizable spending limits.

Where

All emirates

“You can get up to 6 Virtual Cards at no extra cost; 1 for you and up to 5 for your Supplementary Cards”

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

Purchase protection insurance coverage up to USD 2,000 for eligible purchases made with the card.

How often

Always on

How to use it

Applied automatically

Caps and limits

Up to USD 2,000 coverage limit per claim.

Where

All emirates

“Purchase Protection insurance for up to US$ 2,000”

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

Annual travel credit of AED 1,100 (or USD 300 equivalent) redeemable against eligible airline bookings through Platinum Travel Service for minimum cumulative booking value.

How often

Yearly

How to use it

Call the concierge line — Contact Platinum Travel Service to book eligible airline tickets for minimum USD 3,000 (or AED 11,000) cumulative value; credit applied at time of booking.

Caps and limits

Minimum booking value USD 3,000 or AED 11,000 required; credit valid for 365 days from issue date; one credit per card anniversary year.

Exclusions

Cannot be used for cruises, hotel/car hire direct bookings, incidental fees, award tickets, gift cards, or duty-free purchases; basic cardmember only.

Where

All emirates

“Platinum Cardmembers are eligible for one Travel Credit of US$ 300 or equivalent value in local Currency where it's applicable depending on product billing currency per year on annual Card fee”

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

Cruise benefits including onboard credits (USD 300 per stateroom) and shore excursion credits with multiple cruise lines based on double occupancy for 5+ night sailings.

How often

Per event

How to use it

Call the concierge line — Contact Platinum Travel Service for cruise bookings; benefits applied per booking, per stateroom for 5+ night sailings.

Caps and limits

Per booking benefit for double occupancy; varies by cruise partner; minimum 5-night sailing requirement.

Exclusions

AmaWaterways includes USD 100 spa voucher; Crystal includes USD 200 shore excursion credit; all benefits per cruise line terms.

Where

International

“AmaWaterways | US$ 300 per stateroom shipboard credit US$ 100 per stateroom spa voucher”

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

Refund protection insurance for covered purchases up to USD 550.

How often

Always on

How to use it

Applied automatically

Caps and limits

Up to USD 550 coverage limit.

Where

All emirates

“Refund Protection insurance for up to US$ 550”

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

Comprehensive travel accident insurance coverage up to USD 1 Million for cardmember, family, children, and supplementary cardmembers and their families.

How often

Always on

How to use it

Applied automatically

Caps and limits

Up to USD 1 Million coverage limit.

Where

All emirates

“Travel Accident Insurance for up to US$ 1 Million”

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

Car rental insurance coverage up to USD 30,000 when renting a vehicle for travel purposes.

How often

Always on

How to use it

Applied automatically

Caps and limits

Up to USD 30,000 coverage limit.

Where

All emirates

“Travel Car Rental Insurance for up to US$ 30,000”

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