American Express Platinum Card - overview

American Express® Platinum Card

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Get more from life with Platinum on your side

Open doors to some of the finest hotels with room upgrades whenever possible, serene airport lounges and travel protection benefits for you and your family.1 Available in US dollar and euro.

  • Airport lounge access with Priority Pass™
    Complimentary access to over 1,000 lounges across 130 countries for you, your main Supplementary Cardholder plus a guest each2
  • 24/7 Platinum Concierge service
    A year-round telephone service to manage all your travel and lifestyle requests.
  • Hotel benefits and upgrades3
    Enjoy benefits such as guaranteed late checkout at over 900 FINE HOTELS & RESORTS when you book with Platinum Concierge
  • Partner loyalty programme membership
    Complimentary enrolment into leading hotel and car rental loyalty programmes, with partners such as Hertz and Hilton4
  • Travel protection benefits
    Available to you, your main Supplementary Cardholder and your family on Card approval1
  • Membership Rewards®
    Enjoy complimentary enrolment into the American Express Membership Rewards® programme5
  • Up to five Supplementary Cards One Platinum and four Gold or Green, to share some of the benefits and help earn you rewards6
  • Annual Cardmembership fee
  • No interest charges
    Just pay your balance off in full and on time each month7

1 Available on Card application approval. Please refer to the Terms and Conditions at for full details of cover and exclusion.

2 Both the Basic and Supplementary Cardmember must enroll into Priority Pass. In order to access Priority Pass lounges, Cardmember must present a valid Priority Pass membership card in his or her name, along with boarding pass for same day travel and government-issued ID. Cardmember may bring up to one guest into the lounge at no cost. Any additional guests will be charged a fee at the prevailing rate - currently 27USD per person, per visit, to his or her Platinum Card. For complete conditions of use visit

3 Valid only for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service. Payment must be made in full with an American Express Card in the Platinum Cardmember's name. Available for Platinum Charge Cardmembers only. Cardmember must travel on itinerary booked to be eligible for benefits described. Noon check-in and room upgrade are based on availability and are provided at check-in. Benefit restrictions vary by FINE HOTELS & RESORTS property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Benefits and additional FINE HOTELS & RESORTS promotions are only applied at checkout and expire at checkout. Limit one benefit package per room, per stay. Three room limit per Cardmember, per stay; back-to-back stays within a 24-hour period at the same property is considered one stay. Participating FINE HOTELS & RESORTS properties and benefits are subject to change.

4 Terms and Conditions apply for each individual partner programme and are subject to change. All benefits are subject to availability. Enrolment into partner programmes is required to receive benefits. Terms, taxes and fees apply. Restrictions and specific terms apply when transferring points to partner programmes.

5 Cardmembers earn one Membership Rewards point for each US$1/€1 of eligible spend on the Card Account. The number of points per US$1/€1 is referred to as your Earn Rate and will be shown on the Card Account statement. No points will be earned on: cash advances (including transactions treated as cash), charges for returned payments, late payments, referral charges and American Express Travellers Cheque purchases or foreign exchange transactions. Membership Rewards programme information can be found at:

6 Supplementary Cards allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardholder and will be liable for all charges made on the Supplementary Card(s). Additional Cardmembers must be 18 years or over. Approval subject to status.

7 Late payment fees will be applied if you do not pay the full outstanding balance shown on your statement within 30 days of your statement date.

For full details, please read the American Express Cards Terms and Conditions. Applicants must be 18 years old or over and approval is subject to status.

Alternatively the Basic Card is available without any rewards, other features or an annual fee.

American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and is authorised and regulated by the Financial Conduct Authority. Where American Express Services Europe Limited cards are issued in the UK but obtained within the European Economic Area, local rules may apply to the way that it conducts its business which can be enforced by that country's applicable regulatory authority.

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If you are a customer of HSBC Expat, simply download an application form to fill in at a time convenient to you.

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Not yet a customer?

You can apply for an American Express Platinum Card once you have opened an HSBC Premier Bank Account with us.

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Reward yourself, your way.

Membership Rewards® is a customer loyalty programme from American Express that rewards you for using your Card. Once enrolled in the programme, the more you spend, the more Membership Rewards points you accrue.

Your points can be redeemed for a wide variety of travel, merchandise, gift cards, or even towards eligible transactions on your statement.

Membership Rewards® redemption examples:

  • 18,000 points Amazon Gift Card $100
  • 30,000 points A return economy flight from London to New York. Terms, fees and taxes apply.
  • 64,300 points Apple iPad Mini 32gb

Redemption examples are valid as of January 2017. These are subject to change and to the Terms of the Membership Rewards programme.

Find out more about
Membership Rewards (pdf)