This Benefit Document contains the terms and conditions of the following benefits and programmes of The American Express® Platinum Credit Card issued by AMEX (Middle East) B.S.C. (c) – Emirates (hereinafter “AEME’’) in the UAE. For any question regarding these benefits or programmes, please contact Customer Services on the number on the back of your Card.

Sections

This Benefit Document is made up of the following sections: 

1. Definitions

2. FeeBack

3. Grocery Credit

4. Dining Cashback

5. Global Airport Lounge Access 

6. General Conditions

1. Definitions

1.1 Unless the contrary is expressly indicated, the following words and expressions shall have the meanings set out hereunder. 

1.1.1 "AEME" - AMEX (Middle East) B.S.C. (c) - Emirates, its successors, assigns, subsidiaries, branches and sister and parent companies. 

1.1.2 “American Express® Platinum Credit Card” or “Card” – The American Express® Platinum Credit Card issued by AEME for residents of the UAE. 

1.1.3 “Benefit Document” – These terms and conditions that apply to the benefits and programmes of The American Express® Platinum Credit Card.

1.1.4 “Calendar Month” – Refers to a complete month as it appears in the Gregorian calendar, starting on the first day and ending on the last day of that month. 

1.1.5 “Card Account”: Any account established by AEME in the name of the Cardmember upon the issuance of one or more Cards, under the Cardmember Agreement.

1.1.6 “Cardmember" or “Basic Cardmember”: The person in whose name an American Express® Platinum Credit Card is issued to charge Transactions (i.e. debtor on the Account). 

1.1.7 "Delinquent Cardmember" - Any Cardmember who is overdue on payment status by a minimum of one (1) day from Payment Due Date. 

1.1.8 "FeeBack" – The credit back of Annual Membership Fees for The American Express® Platinum Credit Card in accordance with these terms and conditions. 

1.1.9 "Purchase Transaction" or “Transaction”- Any payment made by the Cardmember or amount charged by a Service Establishment for any goods, services, or reservations made by using the Card(s) or the PIN or in any other manner including, without limitation, mail, internet, telephone, facsimile orders, any other mode of communication or reservations authorized regardless of whether a form or voucher was signed by a Cardmember. For the avoidance of doubt, this does not include payment of fees, charges, charge backs, reversals, payment transactions, or Cash Withdrawals. 

1.1.10 “Service Establishment” or “Merchants” - Providers of goods or services which accept the Card from Cardmembers as a means of payments for purchase or reservations of goods and services.

1.1.11 "Statement of Account" - AEME's monthly or other periodic Statement of Account provided to the Cardmember showing particulars of the New Balance incurred by the Cardmember and the Supplementary Cardmember(s), if any, and payable to AEME.

1.1.12 “Supplementary Cardmember”: Any person other than the Basic Cardmember who is issued a Supplementary Card at the request of the Basic Cardmember. 

2. FeeBack Program

2.1 FeeBack is a feature on The American Express® Platinum Credit Card. With FeeBack, the Annual Cardmembership Fee on an American Express Platinum Credit Card will be credited back to a Cardmember’s Statement of Account when the Cardmember fulfills the following spend thresholds: 

2.1.1.    To credit back the Annual Cardmembership Fee in the first year of Cardmembership, the Cardmember must spend at least AED 10,000 on Purchase Transactions within the first three (3) months of receiving his or her Card. If the Cardmember fulfills this condition, the Annual Membership Fee will be credited back in the 5th month statement. 

2.1.2.   For the Annual Cardmembership Fee in the second year of Cardmembership to be credited back, the Cardmember must spend at least AED 40,000 on Purchase Transactions within the first twelve (12) months of receiving his or her Card. If the Cardmember fulfills this condition, the Annual Cardmembership Fee will be credited back in the 13th month statement. The spends on Purchase Transactions that were calculated towards the FeeBack of the first year of Cardmembership, as described above, will also be calculated towards the FeeBack of the second year of Cardmembership. 

2.1.3.    To receive the FeeBack in any subsequent year of Cardmembership, the Cardmember must spend at least AED 40,000 on Purchase Transactions within the preceding twelve (12) month period prior to the Cardmembership anniversary date. If the Cardmember fulfills this condition, the Annual Membership Fee will be credited back on the month of the Cardmembership anniversary.

2.2. FeeBack Conditions:

2.2.1.         The FeeBack programme is governed by the American Express Credit Card Cardmember Agreement Terms and Conditions. Any capitalized terms not defined herein shall have the same meaning given to such capitalized terms in the American Express Credit Card Cardmember Agreement, available on AEME’s website. 

2.2.2.         Delinquent Cardmembers and Cardmembers whose accounts that are closed or terminated as of the anniversary date will not qualify for the FeeBack credit. 

2.2.3.         Any Purchase Transaction made in a month during which the total amount outstanding on the Card Account exceeds the Credit Limit will not be calculated toward FeeBack. 

2.2.4.         Any Purchase Transaction made in any month for which the Minimum Payment Due shown on the Statement of Account is not paid by the Due Date shown on the Statement of Account will not be calculated toward FeeBack. 

2.2.5.         Any amounts that are subsequently re-credited to the Account because of refunds or credit adjustments processed by AEME will not be calculated toward FeeBack. 

2.2.6.         The sum total of Basic and Supplementary Cardmember Purchase Transactions will be combined into the Basic Cardmember’ Statement of Account. 

2.2.7.         AEME assumes no responsibility and liability in offering FeeBack under the FeeBack programme. 

2.2.8.         Cardmembers can contact AEME to determine the status of the FeeBack earned. Separate statements or any other correspondence on FeeBack earned will also be communicated on the monthly Statement of Account to be sent by AEME to Cardmembers. 

2.2.9.         AEME has the right to debit the amount of FeeBack earned by the Cardmember in case the Annual Membership Fee was reversed due to any other reason or Card is fraudulent and/or the FeeBack has been earned on transactions that were subsequently cancelled or reversed or declared void. 

2.2.10.   AEME has the right to change, alter, modify, amend, pre-pone, postpone any part(s) of the FeeBack programme including but not limited to amending the spend threshold at its sole discretion. AEME also reserves the right to continue or discontinue the FeeBack programme at any time at its discretion. 

2.2.11.   AEME’s failure to enforce a particular term or condition does not constitute a waiver of that term or condition by AEME. 

2.2.12.   All questions or disputes regarding eligibility for FeeBack will be resolved by AEME in its sole discretion. 

3. Grocery Credit

3.1 A statement credit of AED 75 will be credited to the Basic Cardmember’s Card Account per Calendar Month (hereinafter “Grocery Credit”) upon fulfilling the Eligibility Criteria (as specified in clause 3.2. below). In a Calendar Month, the Grocery Credit will be credited to the Card Account in the 1st week of the following Calendar Month. The Grocery Credit will be reversed from the Card Account subsequently if an eligible Purchase Transaction or Eligible Grocery Purchase Transaction is reversed, canceled or found to be fraudulent. AEME reserves the right to modify, suspend, or terminate this Grocery Credit benefit at any time at its sole discretion.

3.2. Eligibility Criteria:

3.2.1. The Card Account must be enrolled into the Grocery Credit benefit by the Basic Cardmember, by registering through an AEME channel, such as, the AMEX MENA Mobile App or Online Services. The Grocery Credit will be calculated from the commencement of the Calendar Month of enrolment. This is a one-time enrolment, and the Card Account will remain enroled for this Grocery Credit benefit.

3.2.2. The overall spend based on Eligible Purchase Transactions on the Card Account must be at least AED 4,000 in a Calendar Month.

3.2.3. The overall spend on Eligible Grocery Purchase Transactions on the Card Account must be at least AED 1,000 in a Calendar Month. 

3.2.4. The Card Account must not be blocked, canceled and must not have overdue payments on the Card. 

3.3. Eligible Grocery Purchase Transactions:

3.3.1            Eligible Grocery Purchase Transactions: are all eligible Purchase Transactions (online or in-store) made on The American Express® Platinum Credit Card Account at a grocery store, as determined by AEME in its absolute sole discretion. AEME determines if a Purchase Transaction qualifies as an Eligible Grocery Purchase Transaction by using merchant category codes. Purchase Transactions at some departmental stores (online or in-store), aggregator applications selling a wide variety of items and third parties (such as Buy-Now-Pay-Later service providers, applications providing delivery services for various merchants, etc.) may not be considered as Eligible Grocery Transactions based on the merchant category code. 

3.3.2            Eligible Grocery Purchase Transactions made by a Supplementary Cardmember will also be considered.

3.3.3            Total Eligible Purchase Transactions and Eligible Grocery Purchase Transactions are counted based on the Calendar Month and not on the period of the Statement of Account. AEME relies on Merchants to process Transactions within the same Calendar Month that a Purchase Transaction was made, in order for AEME to calculate whether a Cardmember met the requirements specified in Sub-clauses 3.2.2. and 3.2.3. (above). For example, if an eligible Purchase Transaction or Eligible Grocery Purchase Transaction was made on the last day of a Calendar Month, but the Merchant does not process that Purchase Transaction until the next day, then the Purchase Transaction will be counted in the following Calendar Month’s spend requirement (as specified in Sub-clauses 3.2.2. and 3.2.3.).

4. Dining Cashback

4.1 A cashback of 10% will be applied on Eligible Dining Purchase Transactions up to a maximum of AED 50 cashback per Calendar Month per Card Account and will be credited to the Card Account (hereinafter “Dining Cashback”) upon fulfilling the Eligibility Criteria (as specified in Clause 4.2. below). In a Calendar Month, the Dining Cashback will be credited to the Card Account in the 1st week of the following Calendar Month. The Dining Cashback will be reversed from the Card Account subsequently if an eligible Purchase Transaction or Eligible Dining Purchase Transaction is returned, canceled or found to be fraudulent. AEME reserves the right to modify, suspend, or terminate this Dining Cashback benefit at any time at its sole discretion. 

4.2  Eligibility Criteria:

4.2.1            The Card Account must be enroled into the Dining Cashback benefit by the Basic Cardmember, by registering through an applicable AEME channel, such as, the AMEX MENA Mobile App or Online Services. The Dining Cashback will be calculated from the commencement of the Calendar Month of enrolment. This is a one-time enrolment, and the Card Account will remain enroled for the Dining Cashback benefit. 

4.2.2            The overall spend based on Eligible Purchase Transactions on the Card Account must be at least AED 4,000 in a Calendar Month.

4.2.3            The Card Account must not be blocked, canceled and must not have overdue payments on the Card. 

4.3   Eligible Dining Purchase Transactions:

4.3.1            Eligible Dining Purchase Transactions:  are all Eligible Purchase Transactions (online or in-store) made on The American Express® Platinum Credit Card Account at a restaurant, as determined by AEME in its absolute sole discretion. AEME determines if a Purchase Transaction qualifies as an Eligible Dining Purchase Transaction by using merchant category codes. For the avoidance of doubt, Purchase Transactions at convenience stores, supermarkets, grocery stores, cafeterias, caterers, theatre clubs, meeting venues etc. will not be considered as an Eligible Dining Purchase Transactions. Additionally, restaurants located within another Service Establishment (e.g., a restaurant inside a hotel, event venue, food court, or campus building etc.), some aggregator applications offering restaurant delivery services or third parties (such as Buy-Now-Pay-Later service providers, apps providing delivery services for various merchants, etc.) may not be considered as Dining Transactions and therefore may not be eligible.

4.3.2            Eligible Dining Purchase Transactions made by a Supplementary Cardmember will also be considered.

4.3.3            Total Eligible Purchase Transactions and Eligible Dining Purchase Transactions are counted based on the Calendar Month and not on the period of the Statement of Account. AEME relies on Merchants to process Transactions within the same Calendar Month that a Purchase Transaction was made, in order for AEME to calculate whether a Cardmember met the requirements specified in Sub-clause 4.2.2. (above). For example, if an eligible Purchase Transaction or Eligible Dining Purchase Transaction was made on the last day of a Calendar Month, but the Merchant does not process that Purchase Transaction until the next day, then the Purchase Transaction will be counted in the following Calendar Month’s spend requirement (as specified in Sub-clause 4.2.2.). 

5. Global Airport Lounge Access

5.1. The Global Airport Lounge Access benefit is available to Basic Cardmembers holding The American Express®Platinum Credit Card and one (1) of their Supplementary Cardmembers wherein eligible Cardmembers will be able to access airport lounges participating in the Priority Pass™ program. 

5.2.                  A maximum of twelve (12) complimentary airport lounge visits per year are available to enroled Basic Cardmembers while a maximum of eight (8) complimentary airport lounge visits per year are available for one (1) enroled Supplementary Cardmember. Complimentary visits can be utilized by enroled Cardmembers and their accompanying guests. During any visit to a Priority Pass™ lounge that admits guests, the Cardmember may invite guests at no extra cost until the maximum allowable annual complimentary visits are reached. Please note that some lounges do not permit guests.

5.3.                  In order to be eligible to use this benefit, the Basic Cardmember must enrol into Priority Pass membership via AEME channels and the Supplementary Cardmember must be enrolled into Priority Pass membership by the Basic Cardmember via AEME channels. The Supplementary Cardmember must be at least eighteen (18) years old to enroll as a member of the Priority Pass programme as per the Priority Pass™ terms and conditions.

5.4.                  Priority Pass™ is an independent airport lounge access program and Priority Pass™ lounge access is operated by Priority Pass Limited. Upon enrolment into Priority Pass the Cardmember is subject to the terms and conditions issued by Priority Pass. Please visit https://www.prioritypass.com for comprehensive terms and conditions. Please note that upon enrolment AEME will verify the Cardmember’s Card account number and provide updated Card Account information to Priority Pass™ for program fulfilment and marketing purposes. 

5.5.                  Once enroled, Platinum Credit Cardmembers with active Card Accounts may access participating Priority Pass™ lounges by presenting their valid Priority Pass™ card or mobile application and any additional requirements stipulated by the airport lounge or Priority Pass (e.g., boarding pass, ID, etc.) for lounge access. Cardmembers must have a valid Platinum Credit Card Account and the Card Account must be in good standing to access Priority Pass lounges without interruption. In certain lounges, Priority Pass™ members must be twenty-one (21) years of age to enter without a parent or guardian. Priority Pass™ members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass™ lounge partners and locations are subject to change. All Priority Pass™ members must adhere to the Priority Pass™ Conditions of Use, provided with the membership package and available at www.prioritypass.com upon enrollment.

5.6.                  Any airport lounge visits by the Cardmember (including accompanying guests) as reported to Priority Pass™ by the participating lounge, exceeding the maximum number of complimentary annual airport lounge visits allowance, will be charged to the Cardmember’s Platinum Credit Card by Priority Pass, at an incremental fee of US$35 per person, as per Priority Pass’s Terms and conditions. The incremental fees may change from time to time. The Cardmember will be liable for any additional airport lounge visit charges.

AEME reserves the right to modify, suspend, or terminate the Global Airport Lounge Access benefit at its sole discretion.

6. General Conditions

6.1.                  The terms and conditions governing the FeeBack, Dining Cashback, Grocery Credit and Global Airport Lounge Access benefits are in addition to and not in substitutions of the Cardmember Agreement. Any capitalized terms not defined herein shall have the same meaning given to such capitalized terms in the Cardmember Agreement.

6.2.                  AEME assumes no responsibility and liability in offering the FeeBack, Dining Cashback, Grocery Credit and Global Airport Lounge Access benefits.

6.3.                  AEME reserves the right to change, alter, modify, amend or postpone any part(s) of the FeeBack, Dining Cashback, Grocery Credit and Global Airport Lounge Access benefits. 

6.4.                  AEME reserves the right to discontinue the FeeBack, Dining Cashback, Grocery Credit and Global Airport Lounge Access benefits at any time.

6.5.                  AEME’s failure to enforce a particular term and condition does not constitute a waiver of that term and condition by AEME.

6.6.                  All questions or disputes regarding eligibility for the FeeBack, Dining Cashback, Grocery Credit and Global Airport Lounge Access benefits will be resolved by AEME.

This Card is issued by AMEX (Middle East) B.S.C. (c) – Emirates pursuant to a license from American Express.

American Express is a registered trademark of American Express.

AMEX (Middle East) B.S.C. (c) is regulated and licensed by the Central Bank of Bahrain as a Financing Company.

AMEX (Middle East) B.S.C. (c) - Emirates is regulated and licensed by the Central Bank of the UAE as the branch of a Financing Company.