When it comes to premium financial services, American Express (Amex) stands out globally for its luxury travel perks, cashback rewards, and elite lifestyle benefits. If you’re living in the UAE and wondering how to get an American Express card in Dubai, the process is easier than you might think—especially if you meet the basic eligibility criteria.
In this guide, we’ll walk you through how to get an American Express card in Dubai, what types of cards are available, eligibility requirements, the application process, and where you can use your card in the UAE.
Can You Get an American Express Card in Dubai?
Absolutely! Getting an American Express card in Dubai is possible for any UAE resident—expats included. Whether you work in the private sector, own a business, or are a long-term resident, you’re eligible to apply.
American Express operates directly in the UAE through American Express Middle East, offering card options in both USD and AED.
Important: While Amex isn’t accepted as widely as Visa or Mastercard in Dubai, it still works at major retailers, airlines, hotels, and online platforms like Amazon.ae and Namshi.
Types of American Express Cards in Dubai
Before exploring how to get an American Express card in Dubai, it helps to know your options:
| Card | Key Features | Annual Fee |
|---|---|---|
| Platinum Card | Global Lounge Access, Hotel perks, Concierge | USD 700 |
| Gold Card | Travel rewards, Membership points | USD 250 |
| Cashback Card | 1–3% Cashback, AED billing | AED 299 |
| Green Card | Membership Rewards, Basic travel perks | USD 95 |
| Corporate Cards | Tailored for SMEs | Varies |
Eligibility: Can You Qualify for American Express Card in Dubai ?
To understand how to get an American Express card in Dubai, ensure you meet these minimum requirements:
- Age: 21+
- UAE Residency: Valid Emirates ID or residence visa
- Monthly Income: Typically AED 15,000 or more
- Credit History: Clean report via Al Etihad Credit Bureau
- Employment: Full-time or steady self-employment
Tip: A strong credit profile boosts your chances when applying for an American Express card in Dubai.
How to Get an American Express Card in Dubai (Step-by-Step)
There are two ways to apply:
Option 1: Apply Online
- Visit americanexpress.com/en-ae
- Choose your preferred card
- Complete the online form with personal and financial details
- Upload necessary documents
- Wait 3–5 business days for approval
Option 2: Apply via Amex Agent
American Express also has direct agents or works with partner banks. These reps are available at business districts, malls, or by appointment.
Required Documents for American Express Card in Dubai
- Emirates ID (front and back)
- Passport + UAE residence visa page
- Salary certificate (within the last 30 days)
- Bank statements (last 3–6 months)
- Proof of address (optional)
How Long Does It Take to Get an American Express Card in Dubai ?
| Step | Time |
|---|---|
| Application review | 1–3 days |
| Final approval | Up to 5 days |
| Card delivery | 5–7 business days |
So from start to finish, you can expect to receive your American Express card in Dubai in about 1–2 weeks.
Where Can You Use Amex in Dubai?
Even though Amex isn’t accepted everywhere, you can confidently use it in:
- Luxury hotels and resorts
- Airlines (Emirates, Etihad, etc.)
- Online (Amazon.ae, Namshi, Deliveroo)
- Shopping malls (Dubai Mall, Mall of the Emirates)
- Fine dining and entertainment spots
For small shops or local markets, keep a backup Visa/Mastercard just in case.
Can Tourists Get an Amex in Dubai?
No, you must have UAE residency to apply for an American Express card in Dubai. Tourists can, however, use their international Amex if it’s already active.
Pros and Cons of Getting an Amex in Dubai
| Pros | Cons |
|---|---|
| Premium travel perks | Higher annual fees |
| Strong cashback or points rewards | Limited acceptance in smaller outlets |
| Available in AED or USD | Requires strong credit/income |
Expert Tips Before You Apply
- Check your credit score at Al Etihad Credit Bureau
- Compare cards: Travel vs cashback vs membership rewards
- Watch out for foreign exchange fees
- Look for bundled offers via UAE banks (salary accounts + cards)
Conclusion on How to Get an American Express Card in Dubai
If you’re looking for premium benefits, global recognition, and lifestyle rewards, knowing how to get an American Express card in Dubai is a smart financial move. With multiple card types, a smooth online application, and support for expats, Amex is a solid choice for long-term residents in the UAE.
Remember:
- Meet the eligibility requirements
- Choose the right card for your lifestyle
- Use your card smartly to earn points or cashback
Now that you know how to get an American Express card in Dubai, take the next step and apply confidently!
FAQs
Can I get an American Express card in Dubai as an expat?
Yes. Expats with valid UAE residency and sufficient income can apply for an American Express card in Dubai through the official Amex UAE website or authorized agents.
What are the requirements to get an Amex card in Dubai?
You must be at least 21 years old, have a valid Emirates ID, UAE residence visa, monthly income (usually AED 15,000+), and a good credit score from Al Etihad Credit Bureau.
How long does it take to get an American Express card in Dubai?
The full process—from application to card delivery—typically takes 7 to 10 business days, depending on how quickly documents are submitted and approved.
Which American Express cards are available in Dubai?
Options include the Amex Platinum, Gold, Cashback, and Green cards, as well as corporate cards—available in AED and USD currencies.
Can tourists apply for an American Express card in Dubai?
No. Tourists cannot apply. Only UAE residents with valid documentation are eligible to get an American Express card in Dubai.
Is American Express widely accepted in Dubai?
While not accepted everywhere, Amex works at most hotels, airlines, luxury retailers, online platforms (like Amazon.ae), and major malls.
Is it worth getting an American Express card in Dubai?
Yes, especially if you value global travel perks, lounge access, rewards, and premium services. Just ensure it fits your lifestyle and budget.
