Unveiled: the 2025 Amex Platinum dining and Harvey Nichols cashback changes

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• Gary says:

  31 Oct31 October 08:10

  Are you entirely sure that we get a further £50 HN in Jan? The email just reads as if it’s an “extension” of an existing credit. It doesn’t mention that we’ll get another one in January. Guess we’ll wait and see!
  Overall, I don’t really see this as an improvement – they’ve moved HN credit to dining credit but made it more difficult to use. UK, fine, but the global relies on two overseas trips to one of the relatively limited number of places you can use it – there wasn’t a single restaurant to use it at in Seattle!

  • Barnaby says:

    31 Oct31 October 08:19

    Thats how I read it as well
    If you haven’t used it for this period then it is extended.

    • Rob says:

      31 Oct31 October 08:20

      No, it’s a ‘fresh’ £50 for H1 2025.

  • Rob says:

    31 Oct31 October 08:24

    It’s an extension of the benefit, not your existing credit.

    • The real Swiss Tony says:

      31 Oct31 October 08:33

      I’m not sure. The e-mail says

      “We are also pleased to inform you that we have applied a 6-month extension to the Harvey Nichols Lifestyle Credit which means you can now redeem your benefit until 30 June 2025 inclusive.”

      That says extension to the credit. Clarification would be useful!

      • Rob says:

        31 Oct31 October 08:51

        I am sure.

        • tony says:

          31 Oct31 October 09:44

          So we find out for sure when the first person to attempt to redeem it post Jan 1st does/doesn’t get the credit? I can’t imagine that “but I read it on the internet so it must be true” will cut much slack with either AMEX or the FCA.

          Utterly appallingly worded e-mail, especially for a consumer “credit” product.

        • Rob says:

          31 Oct31 October 10:04

          What do you think I actually do all day? Amex and I have been talking about these changes for weeks. I know exactly what they are. I’ve also spoken to HN about them – as I mentioned above, I knew before Amex knew that they would be dropped for Plat, although Centurion was going to be retained.

      • Ian says:

        1 Nov1 November 06:42

        The conditions say it is a new £50

    • Gary says:

      31 Oct31 October 08:42

      thanks Rob. if that’s what they meant, they really should have worded it much better because it’s pretty unclear – and thankfully, not just unclear to me!

  • Andrew J says:

    31 Oct31 October 08:29

    Why has the HN benefit been removed from the list of saved offers? And I’m still waiting for my credit from September.

    • FFoxSake says:

      31 Oct31 October 08:41

      It was there in saved offers yesterday with a June 2025 expiry. Gone today…

      • Jeanval says:

        31 Oct31 October 10:54

        Same!

• Roger says:

  31 Oct31 October 08:11

  Only if they start paying the redemptions on time, without having to chase that would be game changer!

• E says:

  31 Oct31 October 08:11

  I think it can be a struggle to use abroad. It depends on your travel matching the places in the offer, which for us is OK generally in a 12 month periods but not necessarily every six months.

• Technoholic says:

  31 Oct31 October 08:13

  Although £200 is an increase, not being able to use £150 in one sitting makes it less attractive to me.

  Also, is there any way to find out how much of my credit is remaining or if I’ve used the HN credit in the year?

  • dundj says:

    31 Oct31 October 08:32

    Look back through your statements for Harvey Nichols transactions.

    • Technoholic says:

      31 Oct31 October 09:14

      I just realised there is a Savings section that summarises the credits, I never saw that before but it answers my question.
      Only thing is my current HN credit for this 6 month period seems to have disappeared

      • Nick says:

        31 Oct31 October 11:54

        Is this on the app or just on the website?

• PaulW says:

  31 Oct31 October 08:13

  I don’t live in London, so the UK dining credit often goes unused. I use the overseas one for a very good meal and room every year. So cutting that to £100 each time hurts.

  HN largely pointless – get a £50 credit for something that costs £30 elsewhere and pay for delivery

  Unlikely to renew

  • mrd says:

    31 Oct31 October 08:17

    Concur with this. I’m in the ‘won’t renew’ camp because of this announcement.

• Chas says:

  31 Oct31 October 08:14

  Well that’s a damp squib…. I’d been hoping for something much more substantial in terms of core benefits rather than pseudo-cash offers.

  For my circumstances I’m not impressed with the changes to the dining credits, although I can appreciate the benefit to Amex of moving to 6-monthly allowances. I still haven’t used either of mine this year yet, and living outside of London where my option is the Ivy (no thanks), I have to plan things much more carefully. These changes mean that going forward I’m likely to be leaving some of these benefits on the table, which will alter the value proposition for me.

• jj says:

  31 Oct31 October 08:17

  Amex is doubling-down on its London centricity. This is a sad dilution of benefits.

  You don’t have to live in London to get value from Harvey Nichols. It has has a decent online presence and sells quality goods that can’t easily be bought in a physical store outside the capital.

  But the dining credits are useless outside London – just one restaurant in the whole of Wales, for example. And splitting the overseas credit into two makes it even more worthless: despite multiple overseas trips on 2024, I haven’t been anywhere where there’s a restaurant covered by the scheme.

• Caps44 says:

  31 Oct31 October 08:20

  The £100 split twice dining credit abroad is annoying. Shame it does not have any middle eastern countries. We tend to do one Europe and one middle east holiday a year. So at most we will use £300 all together next year, plus £50 HN.
  I think if it was not for the 35-50k retentions every year, then I would bin the card….even though the insurance postponement cover is excellent and can’t be found anywhere else cheaply.

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