The American Express Platinum Metal Card, also known as the Amex Platinum card is the premium card offering from American Express in the Netherlands and costs €780 annually.
Is the Amex Platinum card worth paying this fee? In this guide we will take a detailed look at the raft of travel and insurance benefits the Platinum card has to offer.
The American Express Platinum Card is a charge card – not a credit card – and the balance has to be paid in full each month. It is issued directly by the American Express Company.
The card fee is €65 per month which is €780 on an annual basis.
A supplementary Platinum card with full benefits is charged at €10 per month extra – which is €120 per year or €900 total per year for 2 cards.
Apply for the American Express Platinum Card here
Benefits of the Amex Platinum card in the Netherlands
Amex Platinum comes with a significant range of benefits, significantly more than any other card product on the Dutch market.
Lounge Access with Amex Platinum
Priority Pass
The cardholder and main supplementary cardholder will each receive a special Priority Pass membership.
This allows free entry into one of 1,400 airport lounges worldwide and 1 free guest is allowed per card.
Thus with 2 Platinum cards a group of 4 people could all get free access into a lounge – excellent for a couple with 2 children, for example.
If you were to purchase the equivalent Priority Pass ‘Prestige’ membership separately it would normally cost €459 per person or discounted at €413 per person here. On top of this you would always pay €30 each time for any guests.
Let’s say our family of 4 made the following 3 return trips in a year with lounge access at each departure and transfer point:
- Amsterdam-Tenerife
- Amsterdam-London
- Amsterdam-Vienna-Dubai
With the Platinum card, you would be saving 16x€30=€480 in guest fees. If you paid for the Priority Pass, your total annual bill would be €413×2=€826 (membership) + €480 which is €1,306. This sum is already higher than the €900 Platinum Card+supplementary card annual fee.
TIP: The Vienna Lounge at Vienna T1 is rated the best Priority Pass lounge in Europe.
Here are the Priority Pass lounges in the Netherlands and at nearby airports:
- Aspire Lounge 26 (Schengen), Amsterdam Schiphol
- Aspire Lounge 41 (non-Schengen), Amsterdam Schiphol
- Hugo Junkers Lounge, Dussledorf
- Open Sky Lounge, Dusseldorf
- The Lounge T1/T2, Brussels Charleroi
One should note that some lounges on the Priority Pass network can be very busy and it may not always be possible to access.
Plaza Premium Lounges
Plaza Premium Group operates a large network of international airport lounges – over 250 lounge locations at over 80 international airports in 30 countries.
The Amex Platinum card gives direct entry into any Plaza Premium branded lounge worldwide.
Plaza Premium lounges in Europe are located at the following airports:
Budapest (BUD), Copenhagen (CPH), Edinburgh (EDI), Geneva (GVA), Gothenburg (GOT), Helsinki (HEL), Isle of Man (IOM), Istanbul (SAW), London Gatwick (LGW), London Heathrow (LHR), Rome (FCO), Stockholm (ARN), Zurich (ZRH).
American Express Centurion Lounges
The Platinum Card will also get you direct entry into the high-end American Express Centurion lounges. These are located mainly in the US plus international lounges at Hong Kong/Sydney/Melbourne/London Heathrow T3/Stockholm.
Other Lounges
Access is granted to Delta Sky Club lounges (no free guests) when flying on Delta Air Lines – these are also mainly located in the US.
Platinum Card holders can also access select Lufthansa lounges (no free guests) if flying on LH Group airlines Lufthansa, SWISS or Austrian. Economy flyers get access to Lufthansa Business Lounge; business class flyers can access the Lufthansa Senator Lounge.
The combined lounge access possibilities with the Platinum card is valued at over €900 per year.
Privium Membership
An exclusive arrangement for Netherlands-issued Platinum cardholders is a complimentary Privium Plus membership. This offers a dedicated border control gate using an iris scan to pass through.
It also offers fast-track security, business class check-in at selected airlines, use of the 4 Privium lounges and the paid option of the Privium parking garage at Schiphol.
Privium lounges are as follows:
- Privium ClubLounge Departures (Amsterdam Schiphol, before security)
- Privium ClubLounge West (Amsterdam Schiphol, non-Schengen)
- Privium ExpressLounge (Amsterdam Schiphol, Schengen)
- Privium ExpressLounge (Eindhoven)
Privium Plus membership normally costs €305 per year. Supplementary cardholders can make use of a free Privium Partner membership which normally costs €180. So the total value of the Privium benefit is €485.
Privium is a subscription service available for nationals of the European Economic Area (EEA) and Switzerland. Note, you cannot join Privium with a United Kingdom or United States passport.
Loungebox
At Schiphol Airport Amsterdam, Netherlands-issued Platinum cardholders get a light freshly-prepared meal (‘Loungebox on the go’ in a blue Amex branded bag) at one of the 6 GRAB&FLY outlets on presentation of your Amex card and boarding pass.
This benefit is valid twice a month for the cardholder and supplementary cardholder – and only applies if you choose not to enter one of the Aspire lounges on that day.
Note, Netherlands-issued Platinum cards do not get access to the Eurostar Premier lounges in London, Paris and Brussels. Platinum cards issued in Belgium, France and the UK do get access.
Amex Platinum Card – Apply here
Hotel Status
The Platinum Card gives instant status in a number of hotel schemes:
Radisson Rewards Premium status
Hilton Honors Gold status
MeliáRewards Gold status
Marriott Bonvoy Gold Elite status
Perhaps the stand-out benefit here is that Hilton Honors Gold members get a free continental breakfast included when staying at Hilton group hotels.
If you book 4 and 5 star hotels with the Fine Hotels & Resorts program via Amex Travel, you can get room upgrades and benefits such as late check-out, hotel credit, free breakfast.
Car Rental Status
For car rentals you get Avis Preferred and Hertz Gold Plus Rewards status which gives discounts of 15-25% and vehicle upgrades.
There is also car rental insurance coverage – see details below – so no need to pay for the car rental company’s collision damage insurance.
Dining for 2 Credit
For 2025, Platinum cardholders get a 2-course lunch or dinner for 2 (valued at €50 per person) at over 100 selected restaurants in the Benelux. This can be done 3 times a year in April, June and October with reservations (mandatory) open 10 days before the start of the respective month.
If used in full the total value of the dining credit is €300. Dining for 2 can only be accessed through the Amex Experiences App.
Comprehensive Travel Insurance
Insurance coverage is available to the main cardholder, their partner and children (under 25) and the supplementary card holder. You should pay for your trip using the card to ensure coverage which includes:
- up to €3,000,000 for medical expenses
- up to € 3,000 per trip for lost, damaged or stolen personal property
- up to € 10,000 for trip cancellation or postponement
- up to € 75,000 travel accident insurance
- up to € 400 for travel inconveniences per claim after 4 hours of baggage delay
- up to € 200 for travel inconveniences per claim after 4 hours of flight delay
- up to € 75,000 car rental insurance for damage and theft and up to € 750,000 liability with
car rental insurance
The coverage is underwritten by Europ Assistance, part of Generali Group. Please contact Amex regarding any pre-existing medical conditions.
Membership Rewards – Points Earning
Membership Rewards is the in-house American Express points program which allows the flexibility to transfer points to other airline and hotel programs.
The Platinum Card earns the standard 1 Membership Rewards (MR) point for every €1 spent on the card.
Generally the Dutch-issued Platinum card offers no bonus points for applying.
It is currently possible for Dutch-based Membership Rewards cardholders to transfer their MR points into points/miles of 7 frequent flyer programs and 3 hotel programs.
Note, the partners and transfer rates are slightly different for Netherlands American Express cards compared to UK and US cards.
| Partner | Transfer Rate | Transfer Time | Minimum Transfer |
| Air France-KLM Flying Blue | 5 : 4 Miles | 3-10 days | 625 MR points |
| British Airways Executive Club | 5 : 4 Avios | 4-10 days | 1,000 MR points |
| Asia Miles | 5 : 4 Miles | 7-10 days | 1,000 MR points |
| Delta SkyMiles | 3 : 1 SkyMile | 4-10 days | 3 MR points |
| Iberia Plus | 3 : 2 Avios | 1 day | 800 MR points |
| SAS EuroBonus | 3 : 2 points | 4-10 days | 1,200 MR points |
| Singapore Airlines KrisFLyer | 5 : 4 miles | up to 15 days | 1,600 MR points |
| Hilton Honors | 1 : 1 point | 4-10 days | 100 MR points |
| Marriott Bonvoy | 1 : 1 point | 4-10 days | 300 MR points |
| Radisson Rewards | 1 : 2 points | 4-10 days | 2 MR points |
As an example, if you were to transfer 5,000 MR points to British Airways or Iberia you would receive 4,000 Avios into your account. The rate to Iberia is lower – it requires 6,000 MR points to get the 4,000 Avios – but transfer is quicker.
Amex Platinum Card FAQ
What is a Membership Reward point worth?
Amex quotes a standard value at €0.003 per MR point (just under a third of a euro cent). However the points are more valuable on the basis that they are transferable. By carefully redeeming for business class flights you can get a lot higher value.
What is the fee on non-Euro payments for the American Express Platinum card?
American Express charges 2.5% for payments made in other (non-euro) currencies. The card can be used forex fee-free anywhere in the 19 member states of the eurozone.
What is the income requirement for an Amex Platinum Card?
You require a minimum gross income of €30,000 per year – this used to be €60,000 per year – which means the card is open to many more people.
What are the supplementary card options with the Platinum Card?
1 supplementary Platinum Card (€10 per month) with full benefits can be applied for.
In addition, 4 free supplementary Amex Green Cards can be taken out for family or friends.
Can I use this as a business card?
If you use the card solely for business expenses (no personal spending) then it could be used as a business card. As a freelancer/ZZP’er you should be able to offset the annual fee as an expense against tax, but please check this with your accountant or book keeper.
How long does it take to apply for an American Express Platinum card in the Netherlands?
Applications are normally processed within 10 working days.
What are the general requirements for an American Express card in the Netherlands?
You need to be aged 18 or over and have a Dutch address.
You should have no negative records on the ‘BKR’ Dutch credit register.
You should have a Dutch bank account. You need to verify your identity using the iDIN online identification system using your bank account login credentials.
You also have to upload a copy of your identity – valid passport or ID card (driving license not accepted) – which is verified via Onfido.
How can I manage my American Express account?
The account can be managed online through the American Express NL website or via the American Express app.
American Express can also be contacted by phone and Dutch/English is spoken.
Can I use Apple Pay with an American Express Platinum card?
Yes, Apple Pay is available for all Amex Membership Rewards cards.
Can I cancel or change my American Express Platinum card?
Yes, American Express is generally very flexible with cancellations. Since the card fee is paid monthly you effectively get a pro-rata refund if cancelling the card. Many other card providers will charge you for the full year.
You can also easily downgrade to other American Express cards should you wish.
Which retailers in the Netherlands accept American Express cards?
ALDI, Dirk van den Broek and Jumbo supermarkets, De Bijenkorf department store, HEMA, IKEA stores and major petrol stations all accept AMEX payments.
Transport companies accepting AMEX include NS (Dutch Railways), KLM and Transavia. You can book experiences and activities with the likes of GetYourGuide and Tiqets.
American Express quotes the total value of the average annual benefits at over €2,900. We rate this the top travel credit card in the Netherlands
Though expensive, if you travel extensively and make use of the card features you could find excellent value and benefits from the card.
You could give the card a try for a year to see it it works for you.
You can apply for the American Express Platinum Card here
- Comprehensive lounge access with free guest
- Supplementary card option for double benefits
- Full travel and car hire insurance
- Privium Plus at Amsterdam Schiphol/Eindhoven
- €300 Dining credit
Note: Card name is a registered trademark. You should pay your credit card or charge card balance in full every month. We are not offering any financial advice, we are merely describing the main card benefits and features. Always read the terms and conditions carefully before taking out any financial product.
First published on 9 May 2025.
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