Introducing the Access Bank American Express® Platinum Card.

Travel Benefits

Lounge Access

Complimentary access to more than 1,400 airport lounges through the American Express Global Lounge Collection®.

Marriott Bonvoy™

Marriott Bonvoy™ Gold Elitestatus.

Radisson Rewards

Radisson Rewards Premium status.

Lifestyle benefits

  • Metal card.
  • Credit card with dual-currency functionality (USD and naira).
  • Access Bank American Express® Concierge.
  • Amex Designers.
  • Hole19 golf.
  • American Express® merchant partner offers.
  • American Express® presale tickets.
Access Black Card

Rewards Programme


Membership Rewards®

Earn Membership Rewards® points on your purchases (no expiry).


Earn Points

Earn 1 point for every 2 USD of eligible spend at overseas merchants.


More Points

Earn 1 point for every 10,000 naira of eligible spend with merchants in Nigeria.


Redeem Points

Turn your points into flights, hotel stays, the latest electronics, gift vouchers for your favourite restaurants, and more.


Cover for emergency medical expenses abroad, travel accident insurance, and compensation for lost luggage and flight delays.

The level of cover included on the Platinum® Card is enhanced when compared to the Access Bank American Express® Gold Card.


Emergency card replacement.


Discount on Flying Doctors Nigeria subscription fee ($951/annum instead of $3,000/annum).

* Please note that the benefits are subject to changes, terms and conditions.

To request an Access Bank American Express ®   Platinum Card, kindly:

  • Visit the nearest Access Bank branch,
  • Contact your Account Officer, or
  • Send an email to or,
  • Register your interest by completing the form below.


Register Your Interest


FeaturesPlatinum® Card
Product type

Metallic card, Credit 

(Dual currency – USD and Naira)

Issuance fee and Card renewal fee (every three years at Card expiration)
Replacement fee (if Card is lost/damaged and needs to be replaced

Annual Service Fee    
Supplementary Cards    Charged the same fees as the primary card
Interest Rate
2.5% monthly
Late Payment Fee
Daily ATM Limit (Int’l)
Daily POS Limit (Int’l)
ATM Cash Withdrawal Fee (Int’l)
6% of transaction amount
Mark up fee (on cross currency transactions) 
3 years

Please note that the benefits are subject to changes in accordance to changing market realities.

Frequently Asked Questions

  • Kindly contact your Account Office/Relationship Manager
For the full details of the local and international benefits, kindly visit 
The AMEX Platinum cards are dual currency cards. (i.e., When the card member spends in Nigeria, the repayment is done in Naira and the repayment for international transactions are done in USD)
N300,000 Daily
$2,000 Daily
Platinum – annual turnover of N50 million and above
Both credit cards are premium card types, however, each card type has its own unique offering catering to the numerous lifestyle needs of the Affluent market.
The AMEX credit cards have customised benefits that are tailored to only AMEX card members only (visit ) while the Black card has its own bespoke benefits that are available to Visa cardholders only (visit )
The details of loyalty/rewards points are available on the Access Bank AMEX reward website .
Kindly ensure you collect both your card and PIN from your pre-selected branch. Then, call the Premium Card Support team on 01-2802506 to activate your card.
Once your card has been activated, kindly proceed to set your PIN at the nearest Access Bank ATM.
Card members will be advised monthly on their minimum outstanding payment and card statement via SMS and email respectively. The total outstanding payment can be confirmed in the card statement or by calling the Premium card support team on 01-2802506.
AMEX card members can reach out to the Premium support team by phone on 01-2802506 or via email on .
Card members are advised to ensure their minimum outstanding payment is done by the 15th day of the month or the last working day before the 15th in months where the 15th falls on a weekend.
Kindly call the Premium support team immediately on 01-2802506.
Call the Access Bank Premium card support on 01-2802506 to block your lost AMEX card and to place a replacement request.
Call the Access Bank Premium card support on 01-2802506 to report or send a mail to with the details of the transactions.
You can spend up to $50,000 daily on the POS/Web depending on the credit limit availed on the card.
Yes, you can withdraw cash at an ATM with your AMEX card
Yes, your AMEX card is contactless transactions enabled
Your CVV is the 3 digits stand-alone number located at the back of your AMEX card.
Simply fund your credit card account with at least 10% of your outstanding balance
Yes, your AMEX card works for international transactions.
Your AMEX card works on all Nigerian terminals (ATM, POS & Web) that accept AMEX cards.
A transaction fee of 3.5% (of transaction amount) applies to transactions done in currencies other than Naira in Nigeria or Dollar internationally.
Your card statement for every month will be sent to you via email at the beginning of the next month.
Your card balance will be sent to you via SMS and email after each transaction is done.
Supplementary cards come with the benefits due to the card category it was issued. However, all reward points accumulated by the supplementary card reports to the primary card member
Please call the Access Bank Premium support team on 01-2802506 or send a mail to . You can also contact your account officer for assistance.
All benefit due to your card can be found on the Access Bank AMEX website ( )
You earn membership reward points by performing transactions with your AMEX card.
Details of your membership reward points can be checked on the Access Bank AMEX website (www.
Your membership reward points can be used on the Access Bank AMEX website (www. and in participating merchant locations.
Your membership reward points can be used to “pay for” goods and services available on the Access Bank AMEX website ( and in participating merchant locations.
The Ts&Cs for all benefits can be found on the Access Bank AMEX website (
Platinum Cardmembers can contact the Concierge Service Monday through Friday from 8am – 8pm and Saturday from 9am – 5pm at +234 1 227 9024,

Latest News

Access Bank Plc (Access) enters into acquisition agreements with Standard Chartered Bank Access Bank launches the first American Express® Cards to be issued in Nigeria NOTICE OF ANNUAL GENERAL MEETING 2022 Access Bank PLC FY Financial Statement Regulators Approve Merger Between Access Bank Zambia Limited and African Corporation Zambia Limited