American Express Credit Card Eligibility

American Express remains distinct for its worldwide presence, exceptional travel perks, and unmatched lifestyle benefits when it comes to premium credit cards. However, to enjoy privileges like airport lounge access, retail insurance, and other lifestyle perks, you first need to meet the American ...read more

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American Express Credit Card UAE Eligibility

The common criteria to be eligible for an Amex card are as follows-

Eligibility Type	Criteria
Age	The minimum age required is 21 years
Salary	The minimum salary required is AED 18,400
Status of Employed	You must be either a salaried or a self-employed individual
Residency	You must be a UAE resident

Specific Eligibility for American Express Credit Cards

Although we have mentioned the general requirements for American Express cards, it is essential to stay updated with the specific card eligibility to ensure your eligibility. Refer to the list of Amex cards eligibility before initiating your application-

Card Name	Eligibility Requirements
The Platinum Card	AED Employment Status- Salaried or self-employed Minimum Monthly Salary- AED 30,605 Minimum Annual Income for Self-Employed- AED 551,000 Minimum Age- 21 years Residency- UAE resident	USD Employment Status- Salaried or self-employed Minimum Monthly Salary- USD 8,334 Minimum Annual Income for Self-Employed- USD 150,000 Minimum Age- 21 years Residency- UAE resident
The American Express Platinum Credit Card	Minimum Age- 21 years Residency- UAE Resident Employment Status- Salaried or self-employed Minimum Annual Salary- AED 255,000 Minimum Annual Income for Self-Employed- AED 275,000
The American Express Gold Card	Minimum Age- 21 years Residency- UAE Resident Employment Status- Salaried or self-employed Minimum Annual Salary- AED 276,000 Minimum Annual Income for Self-Employed- AED 367,000
The American Express Gold Credit Card	Minimum Age- 21 years Residency- UAE Resident Employment Status- Salaried or self-employed Minimum Annual Salary- AED 180,000 Minimum Annual Income for Self-Employed- AED 275,000
The American Express Card	Minimum Age- 21 years Residency- UAE Resident Employment Status- Salaried or self-employed Minimum Monthly Salary- AED 18,400 Minimum Annual Income for Self-Employed- AED 275,000
The American Express Dubai Duty Free Card	Minimum Age- 21 years Residency- UAE Resident Employment Status- Salaried or self-employed Minimum Monthly Salary- AED 15,000 Minimum Annual Income for Self-Employed- AED 275,000

American Express Card Requirements- Documents Checklist

It is mandatory to submit the following list of documents along with your Amex card application-

For Salaried	For Self-Employed
Emirates ID Passport Recent Personal Bank Statements	Emirates ID Passport Recent Company Bank Statements

Factors Influencing American Express Card Eligibility

Financial institutions have strict requirements to qualify for their credit cards. Ticking off all the criteria guarantees your eligibility. Look into the major factors considered while determining your eligibility for American Express credit cards-

Age : You must be at least 21 years old to qualify for an Amex card in the UAE. Age ensures your financial maturity for credit responsibility. You may face restrictions if you’re less than 21. If you’re an older applicant with a stable income, then it increases the chances of your application getting approved.

Salary : Each card has a minimum income criterion to ensure affordability and repayment capacity. Higher salaries improve approval chances, while lower salaries limit card options.

Credit Score / Credit History : A strong credit score and a timely repayment history increase the chances of qualifying for American Express credit cards. Banking institutions evaluate your past borrowing behaviour to analyse if they are at risk. Missed payments, defaults, or heavy debt reduce eligibility, while consistent, responsible credit usage makes approval faster.

How to Improve Amex Card Eligibility?

We have already discussed the factors that influence your eligibility for Amex credit cards in the UAE. Now, let’s focus on the smart ways to increase your card eligibility-

Maintain a healthy credit score – Pay bills and existing loans on time, avoid defaults, and keep credit utilisation low.

Show stable income – Ensure steady employment and salary deposits that meet or exceed card requirements.

Reduce outstanding debts – Clear loans or other card balances to improve the debt-to-income ratio.

Build a positive credit history – Use existing cards responsibly, keep accounts active, and avoid applying for multiple credit cards.

FAQ's About American Express Credit Cards

Ans: UAE residents aged 21 years or above, and salaried (with a minimum monthly salary of AED 18,400) and self-employed individuals (with a minimum annual income of AED 275,000) are eligible for Amex cards.

Ans: You must have a minimum salary of USD 8,334 (per month) to apply for the ‘The Platinum Card’ offered by American Express.

Ans: Yes, the card is available for self-employed and salaried employees. The minimum annual salary for salaried employees is AED 276,000. For self-employed individuals, the bank has a minimum annual income criterion of AED 367,000.

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Shivam Sharma

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He has a content writing experience of over 6 years in academics, newspapers, and biography writings along with a Masters and M.Phil in History. A researcher at heart, he likes to read books, play games, and binge-watch. He seeks to garnish the driest of topics in humour whenever he can and believes in brevity and simplicity.