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The Platinum Card
American Express Saudi Arabia·Amex Platinum
Verified: 2026-04-04
Annual Fee
SAR 4,313
Rewards Rate
1.00%
APR
48.21%
Income (Y1)
SAR -3,713
Lounges
Yes
Network
Amex
Monthly spend:
Fees
| Annual Fee | SAR 4,313 inc. VAT |
| Supplementary Card Fee | SAR 647 inc. VAT |
| FX Fee | 0% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.75% |
| APR | 48.21% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Priority Pass (1,700+ lounges)
Visits / Year
24 visits
Guests
Allowed
Primary access via American Express Global Lounge Collection (1,550+ lounges incl. Centurion, Delta Sky Club, Priority Pass). 24 Priority Pass visits/year. Supplementary: 8 visits/year. Guest: USD 36.05/visit.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 0.27 | 26.7 | SAR 1.00 | - |
| International | 0.27 | 26.7 | SAR 1.00 | - |
* Estimated point value in Membership Rewards Points program: SAR 0.0375 (e-voucher) / SAR 0.0375 (cash)
Other Benefits
- 0% Murabaha Margin on international purchases over SAR 3,750 with Plan It (6 months)
- Complimentary companion air ticket (value up to SAR 3,750)
- SAR 1,000 annual dining credit
- 0% FX fees on USD transactions
- Up to 20% off airfares for you and supplementary cardmembers
- $100 statement credit at NET-A-PORTER and MR PORTER
- VIP Pass at The Bicester Collection Villages with 10% additional savings
- 0% FX and no cash withdrawal fees up to SAR 18,750 per statement
- Referral bonus: 50,000 Membership Rewards points per approved referral
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Annual Renewal (recurring) | 20,000 points | Spend SAR 225,000Not achievable with current 5,000 SAR monthly spend |
| Total (First Year) | 20,000 points | ≈ SAR 750 |
| Achievable (0/1) | 0 points | |
| Recurring Bonus (Every Year) | 20,000 points | ≈ SAR 750 |
You can change the "Monthly spend" filter on the cards page to recalculate achievability.
* Estimated point value in Membership Rewards Points program: SAR 0.0375 (e-voucher) / SAR 0.0375 (cash)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 4,312.5 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | - SAR 3,712 |
| Annual fee(inc. VAT) | - SAR 4,312.5 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | - SAR 3,712 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Membership Rewards Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 37.5 |
Redemption Partners
Emirates SkywardsBA AviosEtihadMarriott BonvoyHilton
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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