American Express Credit Cards

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

American Express Cards

The American Express aka AMEX is known for providing credit cards and other financial services all over the world. They provides different range of credit cards in the UAE region as well. Amex provides tailored services to the individuals. Amex credit cardholders can use their card anywhere in the world and avail high range of privileges on each and every usage of the card. They provide various benefits like reward points, travel, insurance privileges and much more. Amex provides credit cards and charge cards as well.

Types of American Express Cards

The American Express Gold Credit Card

  • Earn 1 Membership reward point on every 4 AED spent
  • Redeem the reward points for flight tickets, hotel stays, gift cards and much more
  • Get access to airport lounge in the Middle East region
  • Travel accident insurance is provided of maximum coverage AED 350,000
  • Travel inconvenience insurance of coverage AED 4000 is provided
  • Can get up to 9 supplementary credit cards for free
  • For salaried individual a minimum salary of AED 15000 pm is required and for self employed a minimum income of AED 22916 pm is required
  • Annual fees of AED 395 is charged
  • Interest rate of 35.88% is charged annually

The American Express® Platinum Credit Card

  • Earn 2 membership rewards on every 4 AED spent
  • Access to airport lounges worldwide using priority pass program
  • Earn membership reward points on every dirham (or any other currency) spent using the card
  • Can redeem reward points on various privileges like travel tickets, hotel bookings, gift vouchers at harrods, amazon, etc.
  • Can avail travel insurance and emergency assistance
  • For self-employed a minimum income of AED 22916 is required and for salaried individuals a minimum salary of AED 21250 is required
  • Interest rate of 35.88% is charged annually
  • No annual fees

The Dubai Duty Free American Express®Card

  • Can save up to 10% on purchases made at Dubai duty free
  • Get entry to “Millennium Millionaire” and “Finest Surprise”
  • Can get supplementary credit cards
  • For self-employed a minimum income of AED 22916 is required and for salaried individuals a minimum salary of AED 15000 is required
  • Interest rate of 35.88% is charged annually
  • Annual fees of AED 175 is charged

The American Express Gold card

  • Can enroll for membership rewards program
  • Get access to airport lounges in the Middle East region
  • Get 1 membership reward on every 1 USD spent
  • Travel accident insurance is provided of maximum coverage AED 350,000
  • Travel inconvenience insurance of coverage AED 1000 is provided
  • For self-employed a minimum income of AED 30,609 is required and for salaried individuals a minimum salary of AED 22957 is required
  • No Interest rate charges
  • Annual fees of USD 175 is charged

The Platinum Card

  • Can get annual travel voucher of worth USD 300
  • Get access to airport lounges via priority pass membership to both primary and supplementary cardholders
  • Free enrollment to membership rewards program
  • Earn 1 membership point per 1 USD spent
  • Get travel accident insurance coverage of US$ 1 million
  • Get travel rental car insurance of maximum coverage US$ 30,000
  • Get purchase protection cover of maximum coverage US$ 2000
  • Can avail concierge service
  • Get up to 5 supplementary cards for free
  • Monthly income of minimum AED 30609 is required
  • No interest rates are charged
  • Annual fees of USD 750 is charged

The American Express Card

  • Avail Membership rewards program benefits
  • Earn 1 membership point per 1 USD spent
  • Travel accident insurance is provided of maximum coverage USD 100,000
  • Travel inconvenience insurance of coverage AED 750 is provided
  • Can avail purchase protection of USD 1000
  • Get up to 9 supplementary cards on no charges
  • For self-employed a minimum income of AED 30,609 is required and for salaried individuals a minimum salary of AED 22957 is required
  • No interest rates are charged
  • Annual fees of USD 95 is charged

FAQs

Q. When does the membership reward points expire?

A. The membership reward points earned will never expire. It can be used anytime.

Q. What is the eligibility for a supplementary card?

A. The supplementary cardholder needs to be a immediate family member of primary cardholder and above 15 yrs old.

Q. Do I need to pay any fees for membership rewards program?

A. Yes, annual fees is charged for membership rewards program which varies with each card.

Q. What is the requirement to avail no annual fees benefits?

A. To avail no annual fees benefits on The American Express® Platinum Credit Card the cardholder needs to spend AED 10,000 within 3 months of the card is activated and to avail no annual fees in the future AED 40,000 should be spent on the card annually.

Q. On what can I redeem the membership reward points?

A. Membership reward points can be redeemed for travel tickets, hotel booking and shopping at different outlets like amazon.com, harrods, etc.

Q. Is there any special criteria for self employed applicants?

A. Yes, self employed applicants need to be working for more than 1-2 yrs(depends on the card) to be eligible for any Amex credit card.