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EverydayAmerican Express
American Express
The Platinum Card
No salary transfer needed
Min. salary
AED 31,500
Annual fee
AED 3,100
Monthly rate
–Not published in the catalogue yet; it is not zero.
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
–Not published in the catalogue yet; it is not zero.
01Fees & rates
What it costs.
- Annual fee
- AED 3,100
- Monthly rate
- –Not published in the catalogue yet; it is not zero.
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- –Not published in the catalogue yet; it is not zero.
- Minimum salary
- AED 31,500
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- AED 1,100 shopping credit on digital application
- AED 900 welcome credit when spending AED 37,000 within 3 months
- AED 1,100 annual travel credit
- Complimentary airport lounge access at 1,300+ global lounges
- No pre-set spending limit
- Membership Rewards points that never expire
- Hotel loyalty program enrollment
- 24/7 dedicated Platinum services
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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.