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American Express is a brand that is recognized all around the globe. Founded in 1850 and headquartered in New York, American Express is estimated to have assets worth a staggering USD 181 billion in 2017. American Express is more commonly known as Amex. It founded international success as early as 1891. Later on, the company offered the incredibly famous line of American Express charge cards and American Express credit cards.
Besides offering global incentives through the impressive range of American Express credit cards in UAE, Amex also functions as one of the largest credit card payment networks in the world. American Express currently has the 4th highest number of credit cards in circulation all over the world. American Express credit cards are booming across the Middle East & North Africa (MENA) region.
Presently, Amex offers 3 types of personal American Express credit cards in UAE and 2 types of corporate American Express credit cards. The Amex credit card types are as follows:
The Personal line of American Express credit cards in UAE caters to individual credit card applicants. The cards are formulated as per individual spending requirement and offer a wide variety of incentives from day to day discounts to travel benefits and more.
a. Dubai Duty Free American Express Credit Card
b. American Express Gold Credit Card
c. American Express Platinum Credit Card
The Corporate American Express credit cards are offered for the employers. It enables them to effectively monitor and optimize their business expenses. The Corporate American Express credit cards offer an expedited payment process and global expense management services.
American Express Corporate Purchasing Card
The influx of American Express credit cards in UAE can be attributed to the wonderful features and benefits of the Amex card. Globally recognized as one of the largest credit card issuers in the world, American Express credit cards offer extraordinary rewards and features:
The American Express online banking platform has been revamped. The all-new American Express online platform includes new functionalities that let the cardholder avail access to their American Express credit card statement, check their Membership Rewards points, activate and renew their Amex credit card, transfer balance and much more. The online banking portal is loaded with added-security measures which include image recognition and secret questions based processes. The cardholder can register their American Express credit card online.
American Express credit cards also take online security very seriously. In addition to the standard OTP and pin verification security measures, Amex comes with SafeKey authentication for all American Express online SafeKey is an online fraud prevention program, which requires the American Express credit card member for an additional password to complete internet transactions.
Amex’s mobile app is a powerhouse of features. The app is known as ‘AMEX (Middle East) B.S.C’ and is available on Android and iOS app platform. The app functions as an on-the-go Amex assistant, expertly answering any American Express credit card related queries. The cardmember can use the app to check their American Express credit card statement, stay updated on transactions via the alerts system, activate and renew Amex credit cards and much more.
Very few people can claim to not have heard of American Express. Amex has been a globally recognized brand for decades. The American Express credit card offers the cardholder a reliable and internationally acclaimed option for fulfilling their spending requirements. American Express credit cards in UAE can be used seamlessly across the globe and offer both local and international benefits like none other.
Most of the American Express credit cards in UAE automatically enroll the cardholder into the SMS alerts service. Once enrolled, the cardholder gets instant SMS alerts for any transaction made with the Amex credit card. This is an excellent way to track spending and quickly identify any fraudulent charges. If the cardholder notices any suspicious charge, they are advised to report it to Amex customer care on the number mentioned at the back of their American Express credit card.
The eligible family member(s) of the primary cardholder can enjoy the benefits of an American Express credit card with the help of supplementary Amex credit cards. Each American Express credit card in UAE comes with a set number of complimentary supplementary cards. The supplementary American Express credit cards can be applied for any eligible family member over the age of 15 through the Amex mobile app itself.
Refer & Earn
Currently, American Express is offering incentives for customer referrals. The American Express credit card member can earn thousands of Membership Rewards points for referring a customer that gets approved by Amex. For example, the American Express Platinum credit card in UAE offers the cardholder up to as many as 10,000 Membership Points for a successful referral. The accumulated Membership Points can be redeemed against amazing discounts on flight tickets, hotel reservations, retail store vouchers, and a lot more.
Every purchase made with an American Express credit card in UAE is rewarded in one way or another, through Membership Points, through offers which are unlocked upon meeting the minimum spending requirements or even as high-paying lottery tickets.
Amex Membership Rewards
A majority of the American Express credit cards in UAE offer cardholder Membership Points for every purchase made on the card, internationally or locally. The accumulated Membership Points can be redeemed for world-class benefits that include dining and entertainment discounts, flight tickets and upgrades, complimentary hotel stays, and more. The various redemption offers can be found online.
Frequent travellers can benefit greatly from the American Express credit card offers on travel services. Some of the may travel benefits that Amex credit cards offer premium airport lounge access, complimentary travel insurance and around the clock international legal, and medical aid services.
British Airways Discount
The member of American Express credit card in UAE is eligible for availing discounts on British Airway Discounts offered are up to as much as 10% and are valid for the flights originating in the Middle East to destinations in Europe, UK, Canada and North & South America.
American Express Selects
The American Express credit card member can avail access to Amex’s very own set of offers and discounts, known as American Express Selects. Available offers can be found online.
Dubai Duty Free Discounts
The American Express credit card’s Dubai Duty Free variant offers cardholder 10% savings on purchases made at Dubai Duty Free Dubai Duty Free is one of the world’s largest travel retail operators and available at Dubai International Airport and at Al Maktoum International Airport. Specifics of the American Express credit card’s Dubai Duty Free discounts can be found online.
Given below is a table of the various American Express credit cards in UAE, its associated annual membership fee and interest rate.
|Card Type||Name of the Card||Annual Membership Fee (in AED)||Monthly Retail Interest Rate (in %)|
|Personal||Dubai Duty Free American Express Credit Card||175.00||3.25|
|American Express Gold Credit Card||395.00||3.25|
|American Express Platinum Credit Card||700 (This fee can be waived via the FeeBack program)||3.25|
|Corporate||American Express Corporate Card||170 - 370 (Depending on number of corporate cards issued)||2.50 (charged on overdue balance)|
|American Express Corporate Purchasing Card||No Fee||2.50 (charged on overdue balance)|
(Updated as of Feb 2019)
Here are the eligibility criteria for applicants who want to opt for American Express credit card in UAE:
The American Express credit card applicant must be at least 21 years of age.
The American Express credit card applicant must have a valid UAE address. They will also be asked to submit appropriate address proof documents.
The Amex credit card applicant’s basic personal information shall be collected and shared with relevant credit bureaus. This is done to analyze the applicant’s credit history and to ensure there is no past record of defaults and missed payments.
Issuance of the American Express credit card is also dependent on valid UAE employer details. Self-employed customers will be asked to present two years’ account statements and may be asked to submit a trade license as well.
Regardless of which American Express credit card the applicant is applying for, their financial stability will also be considered.
As stated above, the applicant’s yearly income is a factor for eligibility for any American Express credit card in UAE. The salary requirements for Amex credit card are as follows:
|Card Type||Name of the Card||Required Annual Income (for employed applicants)||Required Annual Income (for self-employed applicants)|
|Personal||Dubai Duty Free American Express Credit Card||AED 180,000||AED 275,000|
|American Express Gold Credit Card||AED 180,000||AED 275,000|
|American Express Platinum Credit Card||AED 255,000||AED 275,000|
|Corporate||American Express Corporate Card||Income restrictions not applicable on individual cards|
|American Express Corporate Purchasing Card||Income restrictions not applicable to individual cards|
(Updated as of Feb 2019)
The American Express credit card application process can be completed online as well as offline at Amex branches.
To initiate the application process for a credit card from American Express, apply online.
The applicant can also complete their American Express credit card application at any of the Amex branches in the UAE. Branch addresses can be found online.
The applicant who wants to apply for a credit card for American Express online or the offline will need to submit required personal and financial documents for verification. The list of documents is as follows:
Detailed below are the monthly and annual retail interests on all American Express credit cards in UAE.
|Card Type||Name of the Card||Monthly Retail Interest Rate (in %)||Annual Retail Interest Rate (in %)|
|Personal||Dubai Duty Free American Express Credit Card||3.25||39.00|
|American Express Gold Credit Card||3.25||39.00|
|American Express Platinum Credit Card||3.25||39.00|
|Corporate||American Express Corporate Card||2.5 (charged on overdue balance)|
|American Express Corporate Purchasing Card||2.5 (charged on overdue balance)|
(Updated as of Feb 2019)
American Express credit card applicant ought to go through the policy documents for a detailed breakdown of charges. Some of the levied charges are as follows:
The primary American Express credit card member may opt to cancel their card at any time by submitting a written request for ending the membership of Amex credit cards.
The cancellation request will only be entertained once all outstanding dues and charges of the Amex credit card have been cleared. Upon clearing all due amount, the cardholder needs to cut all primary and supplementary American Express credit cards in two and return them to American Express.
Note- The cardholder is also advised to ask for a No Liability Certificate as proof of account closure.
As an internationally celebrated giant in the banking and finance industry, American Express has plenty of funding and experience. As a result, American Express credit cards offer incredible global discounts and lucrative offers to its cardholder:
American Express understands the value of positive user experience. From the American Express online portal to the Membership Rewards program offered to Amex credit card members, every process has been carefully designed to make the banking process with Amex a cakewalk. The American Express mobile app is a prime example of Amex’s commitment to providing a convenient method of consumer banking.
After conducting a careful assessment of the UAE market, Amex launched an incredibly diverse line of American Express credit cards in UAE. These cards are designed to address daily spending, travel, entertainment and luxury shopping, and more. The Corporate line of Amex credit cards further extends the benefits to working professionals.
Though it’s difficult for financial institutions to maintain international industry standards, American Express is one step ahead of its competitors. In fact, Amex has been instrumental in setting some of the financial industry standards itself. The line of American Express credit cards in UAE follows the best standards in the industry as every banking process under Amex is handled with the utmost professionalism.
Honesty and reliability are integral to American Express values. The financial institution has built its reputation as one of the largest providers of credit cards in the world by providing reliable services time and again. The American Express credit cards follow the philosophy of transparency, and meticulously detailing every little fee and charge in the Amex credit card policy documents.
Amex also displays a strong sense of community, offering amazing benefits to help attract visitors to the UAE’s local retail stores and attractions. The American Express credit card’s Dubai Duty Free product is a good example of how Amex helps promote the local economy by offering incentives for the cardholder to help spread affluence in the community.