American Express Credit Cards

Q: Q1: I want to apply for the Amex Gold credit card. How much is the card's annual fee?

Ans: The annual membership fee of the Amex card is AED 414.75, including VAT.

Q: Q2: How much salary is required to apply for the American Express Platinum card?

Ans: You must have a minimum salary of AED 30,605.

Q: Q3: Is it possible to waive the Amex Platinum credit card’s first annual fee?

Ans: Yes, if you spend an amount of AED 10,000 or more within the first 3 months of the card issuance, the annual fee will be credited back to your account.

Q: Q4: Which Amex cards provide free access to airport lounges?

Ans: All American Express credit cards offer you complimentary lounge access across the globe.

Q: Q5: How much is the late payment fee applicable to American Express cards?

Ans: Amex charges a late payment fee of AED 241.5, inclusive of VAT.

American Express credit cards are tailored to diverse lifestyles and spending habits. As a cardmember, you can earn Membership Rewards points on purchases, redeemable for travel, shopping, and dining benefits.

American Express Credit Card

Apply Credit Card & get Cashback and Rewards*

Compare from top banks
No annual fee
Benefits up to AED 2,000

Written By

Chanchal SinghContent Executive

Reviewed By

Ravindra DhakarProduct Manager

Last updated on 07 August 2025Editorial Standards

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Free for Life

Cashback Credit Card

CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance

Minimum Salary:5,000

Annual Fee:Free for Life

5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining

Enjoy complimentary airport lounge access to over 25 lounges worldwide.

Cashback

ULTRACASH Mastercard Touch Card

Valet ParkingBalance Transfer Facility0% Installment Plans

Minimum Salary:10,000

Annual Fee:500

Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates

10% cashback on Fuel for the first 3 months and 5% thereafter

Reward Points

TouchPoints Visa Infinite Credit Card

Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan

Minimum Salary:25,000

Annual Fee:1,050

15,000 Bonus TouchPoints for spends of AED 15,000

VOX Cinemas Buy one get one FREE

With Amex cards, you earn points on spending and exclusive travel perks. On top of that, these cards also feature comprehensive insurance coverage and supplementary cards for family members.

American Express Credit Cards- Key Features

Here is a list of American Express credit cards along with their features and benefits:

Amex Card Name	Minimum Salary Requirement	Features/ Perks	Apply
The American Express Gold Credit Card	AED 15,000	Basic Benefits 💳 Guaranteed fraud protection with comprehensive insurance Virtual card perks: Instant issuance Set up a spending limit Pay via digital wallets Up to 9 complimentary supplementary credit cards Easy digital account management Travel Benefits ✈️ Up to 5 complimentary visits to airport lounge access worldwide Travel Accident Insurance coverage of up to AED 350,000 Lifestyle Benefits 🛍️ Comprehensive Retail Insurance coverage of up to AED 3,000 Earn 1 point for each AED 4 spent Redeem earned points on: 14 Airlines 3 Hotels Partners Fashion Brands Electronic Brands, and more	View Offers
The American Express Dubai Duty Free Card	AED 15,000	Basic Benefits💳 Save 10% on Dubai Duty Free transactions A chance to enter the Millennium Millionaire raffle on each AED 1,000 spent Guaranteed fraud protection with comprehensive insurance Virtual card perks: Instant issuance Set up a spending limit Pay via digital wallets Up to 5 complimentary supplementary credit cards Easy digital account management Lifestyle Benefits🛍️ Comprehensive Retail Insurance coverage of up to AED 1,500	View Offers
The American Express Card	AED 18,400	Basic Benefits💳 Guaranteed fraud protection with comprehensive insurance Virtual card perks: Instant issuance Set up a spending limit Pay via digital wallets Up to 9 complimentary supplementary credit cards Easy digital account management Travel Benefits ✈️ Travel Accident insurance coverage of up to US $ 100,000 No pre-set spending limit Lifestyle Benefits🛍️ Earn 1 point for each US $ 1 spent Redeem earned points on: 14 Airlines 3 Hotels Partners Fashion Brands Electronic Brands, and more Comprehensive Retail Protection insurance coverage of up to US $ 1,000	View Offers

The American Express Platinum Credit Card	AED 21,250	Basic Benefits💳 Guaranteed fraud protection with comprehensive insurance Virtual card perks: Instant issuance Set up a spending limit Pay via digital wallets Up to 2 complimentary supplementary credit cards Additionally, request up to 7 supplementary cards with applicable annual fees Easy digital account management Travel Benefits✈️ Up to 12 complimentary airport lounge visits yearly for primary cardholders worldwide Up to 8 complimentary airport lounge visits yearly for supplementary cardholders worldwide Complimentary Travel Insurance coverage of up to AED 1,800,000 24/7 Global Assist Lifestyle Benefits🛍️ Earn 2 points on each AED 4 spent Redeem earned points on: 14 Airlines 1000s of Hotels Fashion Brands Electronic Brands, and more 10% cashback every month and up to AED 600 annually on dining across the globe Up to AED 900 back annually on online and in-store grocery purchases Retail Protection Insurance of up to AED 4,500 per insured occurrence Retail Protection Insurance of up to AED 180,000 yearly	View Offers
The American Express Gold Card	AED 23,000	Basic Benefits💳 Guaranteed fraud protection with comprehensive insurance Virtual card perks: Instant issuance Set up a spending limit Pay via digital wallets Up to 9 complimentary supplementary credit cards Easy digital account management No pre-set spending limit Travel Benefits✈️ Up to 8 complimentary airport lounge visits globally for supplementary cardholders Complimentary Travel Accident Insurance coverage of up to USD 350,000 24/7 Global Assist Lifestyle Benefits🛍️ Earn 1 point for each US $ 1 spent Redeem earned points on: 14 Airlines 3 Hotels Partners Fashion Brands Electronic Brands, and more Comprehensive Retail Insurance coverage of up to US $ 1,500	View Offers
The American Express Platinum Card	AED 30,605	Basic Benefits💳 Spend AED 37,000 or USD 10,000 within the first 3 months of the card membership and receive a welcome bonus of AED 900 or USD 250 Guaranteed fraud protection with comprehensive insurance Virtual card perks: Instant issuance Set up a spending limit Pay via digital wallets Up to 5 complimentary supplementary credit cards Easy digital account management Travel Benefits✈️ Receive an annual travel credit of AED 1,100 Complimentary global access for primary cardholders and supplementary cardholders at 1,700+ airport lounges Complimentary enrolment to hotels' loyalty programmes Lifestyle Benefits🛍️ Earn 1 point for every AED 4 spent Redeem earned points on: 14 Airlines Hotels Partners Fashion Brands Electronic Brands, and more Exclusive ‘Platinum Experiences’ on wellness, entertainment, dining, and shopping	View Offers
Check Credit Cards in UAE

Am I Eligible for an American Express Card?

Know the general eligibility criteria for obtaining an American Express card in the UAE:

Eligibility Type	Criteria
Age	Minimum Age- 21 Years
Salary	For Salaried (Minimum Salary- AED 15,000) For Self-Employed (Minimum Annual Income- AED 275,000)
Citizenship	Citizenship- UAE Resident

Frequently Asked Questions

Ans: The annual membership fee of the Amex card is AED 414.75, including VAT.

Ans: You must have a minimum salary of AED 30,605.

Ans: Yes, if you spend an amount of AED 10,000 or more within the first 3 months of the card issuance, the annual fee will be credited back to your account.

Ans: All American Express credit cards offer you complimentary lounge access across the globe.

Ans: Amex charges a late payment fee of AED 241.5, inclusive of VAT.

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