Amex Platinum Card

American Express · amex · Charge card · Membership Rewards points

Monthly fee: €75.00€900.00 a year
Foreign transaction fee: 2.50%on non-euro spending
BKR check: Yesnot re-confirmed: see requirements
Income needed: €30,000 a yearnot re-confirmed: see requirements

Rates last verified: 20 October 2026

Checked against American Express’s own pages on 4 October 2026: card type; fee, income, who can apply; foreign fee, BKR. Terms change: check them there before you apply.

About this card

The ultimate premium card in the Netherlands. Unlimited Priority Pass lounge access, Privium Plus at Schiphol, €300 dining credit, and comprehensive travel benefits.

Charge card: a credit line you repay in full each month. No fixed spending limit; the full balance is due every month.

Best for: Premium, Travel, Lounge Access

Pros and cons

What we like

Unlimited Priority Pass lounge access + 1 guest
Free Privium Plus membership (Schiphol fast-track)
€300/year dining credit at 100+ restaurants
Centurion Lounge access (Schiphol opening 2026)

What to consider

Very high fee (€780/year)
2.5% foreign transaction fee
Not accepted everywhere in Netherlands
Requires €36,000 gross annual income

All fees and limits

Monthly fee: €75.00
Fee conditions: €75 a month. An extra Platinum Card is €10 a month; up to 4 extra Green Cards are free.
Foreign transaction fee: 2.50%
Credit limit: €5,000+
Interest-free period: 54 days
Late payment fee: €25
Installment payments: Yes (14.9% interest)

Everyday use

Card network: amex
Daily ATM withdrawal limit: €1,000
ATM fees: Free at Amex ATMs
Contactless payments: Supported
Apple Pay: Supported
Google Pay: Supported
Choose your PIN: Yes
Max cards per account: 4
Free replacement card: Yes

Insurance

Purchase protection: Included
Travel insurance: Included
Flight delay insurance: Included
Baggage insurance: Included
Car rental insurance: Included
Cancellation insurance: Included
Medical insurance: Included
Legal assistance: Included
Fraud protection: Included
24h helpline: Available

Requirements

Card type: Charge card: a credit line you repay in full each monthNot re-confirmed since 4 October 2026: check with the provider before you apply.
Minimum income: €30,000 gross a yearNot re-confirmed since 4 October 2026: check with the provider before you apply.
BKR checked when you apply: YesNot re-confirmed since 4 October 2026: check with the provider before you apply.
Card registered at BKR: NoNot re-confirmed since 4 October 2026: check with the provider before you apply.
BSN: Not stated by American Express.
Who can apply: 18 or older, a Dutch home address and no negative BKR registration.Not re-confirmed since 4 October 2026: check with the provider before you apply.
Delivery time: 7 business days

How to apply

1Gather your documentsHave a valid ID or passport and proof of your address in the Netherlands ready, and proof of income (€30,000 gross a year).
2Start the applicationVisit American Express's website and fill in the online application form. This typically takes 5–10 minutes.
3Identity verificationYour identity will be verified. BKR is checked when you apply; the card is not registered at BKR.
4Receive your cardYour card will arrive within 7 business days by post. Activate it online or via the app.

Apply with American Express

Other cards

Other credit cards
Card	Monthly fee	Foreign fee	BKR check	Income needed
Flying Blue Platinum CardAmerican Express · Charge cardCard type not re-confirmed	€55.00	2.50%	Yesnot registerednot re-confirmed	€30,000 a yeargrossnot re-confirmed
Gold CardAmerican Express · Charge cardCard type not re-confirmed	€20.00	2.50%	Yesnot registerednot re-confirmed	€30,000 a yeargrossnot re-confirmed
Mastercard BlackICS · Charge cardCard type not re-confirmed	€18.75	2.00%	Yesnot registerednot re-confirmed	€1,500 a monthnetnot re-confirmed