American Express Credit Cards

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.

Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

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List of AMEX Credit Cards in UAE

Interest Rate

3.25%

Minimum Salary

AED 21250

Annual Fee

AED 0

Balance Transfer

No

Cashback

No

interest rate

3.25%

Interest Rate

currency account

AED 21250

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • Earn 2 membership rewards per every AED 4
  • No annual fees
  • Free access to airport lounges

Features

  • Get various rewards on travel, dining and premium shopping.
  • You need to pay in full installments.
  • Get complimentary pass membership, which enables a basic card holder or a guest to access over 700 airports' complimentary lounges in over 100 countries.
Apply Now

Features

  • Get various rewards on travel, dining and premium shopping.
  • You need to pay in full installments.
  • Get complimentary pass membership, which enables a basic card holder or a guest to access over 700 airports' complimentary lounges in over 100 countries.
  • Complimentary travel accident insurance and inconvenience cover when you book your airline tickets with this card.
  • You should be of 21 years and above to avail this card.
  • Worldwide customer care and emergency card replacement insurance.
  • The membership reward points of this card never expire.
  • The Forex rate on this card is 2.8%
  • There is an annual interest rate of 39%
  • You should have an annual income of AED 2,55,000 and AED 2,75,000 for self employed.
  • There is no annual fee, when you spend on this card.

Benefits

  • Discounts on dining, health, leisure and shopping.
  • Access to 700 airport lounges across the globe with priority passes.
  • Comprehensive travel insurances and emergency assistance through global assist.
  • An exclusive 10% off airfares from select British Airways flights from middle east.
  • You can get online and SMS alerts.
  • You can also ask for a supplementary card if required.
  • Complimentary enrollment into membership rewards program, with 2 points earned for every AED 4 spend.
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Interest Rate

0%

Minimum Salary

AED 18

Annual Fee

AED 349

Balance Transfer

No

Cashback

No

interest rate

0%

Interest Rate

currency account

AED 18

Minimum Salary

annual fee

AED 349

Annual Fee

Features

  • This card is a charge card, but not a credit card.
  • There is no pre set spending limit on this card.
  • Get complimentary retail protection insurance with this card.
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Features

  • This card is a charge card, but not a credit card.
  • There is no pre set spending limit on this card.
  • Get complimentary retail protection insurance with this card.
  • The person should be of the age 21 and above to avail this card.
  • You can get worldwide customer care with this card.
  • The Forex rate on this card is 2.8%
  • There are no interest charges on this card.
  • You need to have an annual income of at least USD 60,000 (employed) and USD 75,000 (self-employed)
  • There is no balance transfer facility on this card.
  • There is an annual fee of USD 95 to avail this card.
    There is an annual fee for membership which is of USD 25.

Benefits

  • You get a retail protection insurance of USD 1000 per occurrence and USD 30000 for any theft or any accidental occurrence per year.
  • Online and Fraud protection guarantee.
  • 24/7 Customer service.
  • Online account access and E Statement alerts.
  • Travel accident insurance of up to USD 1,00,000
  • Travel inconvenience cover of up to USD 750.
  • Enjoy various membership rewards with american express.
  • Points will never expire and can be redeemed for complimentary flights and upgrades with 12 airline partners, that includes Emirates Skywards, Etihad Guest, Flying Blue (KLM and Air France), Asia Miles, British Airways Executive Club, Delta SkyMiles, Gulf Air Falcon Flyer, Iberia Plus, Qatar Airways Privilege Club, Royal Plus Programme, and Oman Air Sindbad.
  • Points can also be redeemed for complimentary electronics , shopping vouchers, fashion accessories,hotel nights and much more.
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Interest Rate

3.25%

Minimum Salary

AED 15000

Annual Fee

AED 395

Balance Transfer

No

Cashback

No

interest rate

3.25%

Interest Rate

currency account

AED 15000

Minimum Salary

annual fee

AED 395

Annual Fee

Advantages

  • Earn 1 reward point per every AED 4
  • Free travel insurance
  • Free access to airport lounges

Features

  • 24/7 Customer service.
  • You need to pay the bill in full or in installments.
  • Worldwide customer care and emergency card replacement available with this card.
Apply Now

Features

  • 24/7 Customer service.
  • You need to pay the bill in full or in installments.
  • Worldwide customer care and emergency card replacement available with this card.
  • You should be of 21 years and above to avail this card.
  • You should have an annual income of AED 1,80,000 and AED 2,75,000 for self employed.
  • Exclusive worldwide offers for travel, leisure and dining.
  • Get access to membership rewards loyalty program.
  • The Forex rate on this card is 2.8%
  • Annual interest rate of 39%.
    Get 56 days of interest free days.
  • The annual fee applicable on this card is AED 395. Plus an AED 100 annual fee for enrollment into the Membership Rewards Loyalty Program.

Benefits

  • Complimentary access to airport lounges across middle east.
  • Travel accident insurance of up to USD 3,50,000.
  • Travel inconvenience cover of up to USD 4000.
  • An exclusive 10% off airfares from select British Airways flights from middle east.
  • Online fraud protection guarantee.
  • Retail protection insurance cover and insurance against accidental theft and damage.
  • Access to membership rewards program by getting 1 reward point to every 4 AED spent.
  • You can redeem membership reward points with skyward miles, Etihad guest miles and more airlines.
Apply Now
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Interest Rate

3.25%

Minimum Salary

AED 15000

Annual Fee

AED 175

Balance Transfer

No

Cashback

No

interest rate

3.25%

Interest Rate

currency account

AED 15000

Minimum Salary

annual fee

AED 175

Annual Fee

Advantages

  • 10% savings at Dubai Duty free
  • Provides purchase protection
  • Entries to world famous lucky draws

Features

  • Exclusive worldwide offers on leisure, dining and travel with this card.
  • You need to pay in full installments.
  • Complimentary travel accident and insurance cover with this card.
Apply Now

Features

  • Exclusive worldwide offers on leisure, dining and travel with this card.
  • You need to pay in full installments.
  • Complimentary travel accident and insurance cover with this card.
  • You can save 10% at Dubai duty free.
  • You can get chances to win raffle entries into the millennium millionaire and finest surprise each month.
  • You should be of 21 years and above to avail this card.
  • Worldwide customer assistance from our bank.
  • The Forex rate for this card is 2.8%
  • There is an annual interest rate of 35.88%.
    You get 56 days interest free period and later 3.25% interest for outstanding amount.
  • You should have an annual income of AED 1,80,000 and AED 2,75,000 for self employed.
  • You need to pay an annual fee of AED 175.

Benefits

  • Online fraud protection guarantee.
  • 24/7 Customer service.
  • Retail protection insurance cover and insurance against accidental theft and damage.
  • You can get online and SMS alerts.
  • You can also ask for a supplementary card if required.
  • Exclusive offers only at Dubai Duty free.
  • Complimentary retail protection insurance for 90 days.
Apply Now
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View details on bank page

Interest Rate

0%

Minimum Salary

AED 22500

Annual Fee

AED 643

interest rate

0%

Interest Rate

currency account

AED 22500

Minimum Salary

annual fee

AED 643

Annual Fee

Features

  • Access to membership rewards program.
  • This card is a charge card, but not a credit card.
  • You get access to worldwide customer care.
Apply Now

Features

  • Access to membership rewards program.
  • This card is a charge card, but not a credit card.
  • You get access to worldwide customer care.
  • There is no pre set spending limit on this card.
  • Complimentary travel accident and insurance, if you book your flight tickets with this card.
  • You need to pay off your balance in full each month.
  • There are no interest charges on this card.
  • You should be of 21 years and above.
  • Get access to worldwide customer care.
  • The Forex rate applicable on this card is 2.8%
  • You should have an annual income of USD 75,000.
  • There is an annual fee of USD 175 on this card.
    There is an annual fee for membership which is of USD 25.

Benefits

  • Access to airport lounges in the middle east.
  • Exclusive offers bought to you by American express.
  • Travel accident insurance of up to USD 3,50,000.
  • Travel inconvenience cover of up to USD 1000.
  • Online fraud protection guarantee.
  • 24/7 Customer service.
  • Online account access and E Statement alerts.
  • Retail protection insurance of up to USD 1500 per occurence and USD 40,000 per year against theft and accidental damage of up to 90 days.
  • You can earn 1 full Membership Rewards Point for every USD 1 of spends.
  • Get 12 Airline member rewards to travel with.
  • Points can be redeemed for complimentary flights and upgrades which includes Etihad and Emirates.
Apply Now
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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

⭐ When does the membership reward points expire?

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

⭐ 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.

⭐ 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.

⭐ 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.

⭐ 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.

⭐ 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.

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