48
Lounges in network
33
Airports worldwide
—
Free intl visits/year
How to access lounges
Apply & Activate Card
Get your Platinum Card and activate it.
Enjoy Lounge Access
Swipe card or use Priority Pass at participating lounges.
Your access
Worldwide
Unlimited
Centurion Lounge (cardholder) + Priority Pass with 1 complimentary guest per visit.
What you get inside
Available facilities vary by lounge — confirm on each lounge page.
Pros
- Unlimited Centurion Lounge + Priority Pass access
- Comprehensive travel insurance and hotel status
- Lounge access regardless of airline or cabin class
Cons
- Very high annual fee of £650
- Need to travel frequently to justify the cost
- Guest policy changing 8 Jul 2026 — verify current terms before travelling with guests.
Eligibility
Open application, good credit score required
Best for
Heavy international travellers based in UK
How you earn points
Membership Rewards
sourceEarn rates only — we don't print a per-point cash value, since that depends on how you redeem.
Where the points go
Membership Rewards → 15 transfer partners · 1:1 for most airlinessource
e.g. British Airways Club, Virgin Atlantic, Qatar Privilege Club, Singapore KrisFlyer
Other benefits
How it compares
AM Platinum Card(this card) | |||
|---|---|---|---|
| Annual fee What the bank charges you every year to hold this card. | £650/year | £290/year | £20/month (£240/year) |
| Access programme Which lounge network this card's access rules route through. | American Express | Priority Pass | DragonPass |
| Lounges in network How many lounges in Loungely's directory currently accept this card's access programme. | 48 | 320 | 149 |
| Spend condition Some cards require a minimum spend before domestic lounge access unlocks. Miss the target and access is blocked that period, even with the annual fee paid. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. | None No minimum spend to keep domestic access. |
| Guest policy Whether you can bring someone into the lounge with you, and what it costs them. | — | No free guests — approximately £24 per guest per visit. | — |
| Best for The type of traveller who gets the most value from this card. | Heavy international travellers based in UK | HSBC Premier banking customers | Avios collectors who want discounted rather than free lounge access |
Explore comparisons
How does the Platinum Card compare to the Premier World Elite?
The Platinum Card carries a higher annual fee (£650 vs. £290) than the Premier World Elite. The Platinum Card uses American Express, while the Premier World Elite uses Priority Pass. The Platinum Card reaches 48 lounges in Loungely's directory vs. 320 for the Premier World Elite. See the full comparison table on this page for eligibility and guest-policy differences.
How does the Platinum Card compare to the Avios Plus?
The Platinum Card carries a higher annual fee (£650 vs. £240) than the Avios Plus. The Platinum Card uses American Express, while the Avios Plus uses DragonPass. The Platinum Card reaches 48 lounges in Loungely's directory vs. 149 for the Avios Plus. See the full comparison table on this page for eligibility and guest-policy differences.
Platinum Card — frequently asked
Does the Platinum Card include Centurion Lounge + Priority Pass?
The Platinum Card unlocks lounge access via Centurion Lounge + Priority Pass — unlimited (American Express network). Depending on tier and issuer, that can mean unlimited Priority Pass visits, complimentary Amex Centurion access, or a limited quota of domestic visits per year. See the card's access-terms section for exact quotas.
How many lounges can I enter with the Platinum Card?
Loungely tracks 48 lounges across 33 airports in 8 countries that accept the Platinum Card. Full list on this page — every row shows the specific access rule, guest policy, and last-verified date.
What is the annual fee for the Platinum Card?
£650/year per year, issued by American Express. Eligibility: Open application, good credit score required.
Who should get the Platinum Card for lounge access?
Heavy international travellers based in UK. If your travel pattern is different — heavy domestic flying, or mostly Middle East hubs, for example — a card with a matching lounge network may give you more per rupee/pound/dollar of annual fee. Compare on the /cards page.
Apply
Platinum Card
Unlimited Centurion Lounge access for cardholder
Affiliate link · Verify current terms on the bank's website before applying.