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

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The Platinum Card from American Express is very popular with Head for Points readers, despite the £650 annual fee.

This is initially due to the generous sign-up bonus (50,000 Membership Rewards points, worth 50,000 Avios) which you qualify for even if you already have a British Airways American Express card.

What tends to keep people paying the fee is the generous benefits package. You can recoup much of your fee in almost-cash benefits, even without considering ‘soft’ benefits like airport lounge access and hotel elite status.

2025 Amex Platinum dining and Harvey Nichols credit changes

At present, there are three key ‘pseudo cash’ benefits worth £350 per year that you get with The Platinum Card:

  • £50 every six months to spend with Harvey Nichols, either in-store or online
  • £150 per calendar year to spend in 300+ UK restaurants
  • £150 per calendar year to spend in 1,300+ restaurants outside the UK

These benefits were guaranteed until the end of 2024. American Express has, frankly, been very slow in confirming what will happen in 2025.

Now we know.

What are the Amex Platinum cashback benefits for 2025?

Harvey Nichols

As I suspected, the Harvey Nichols benefit is being killed off, but not just yet.

It will continue until 30th June 2025. This means that you can claim one £50 credit in 2025.

Dining credits

The better news is that the dining credits are remaining, and are getting even better.

The total annual dining credit will now be £400 per calendar year.

2025 Amex Platinum dining and Harvey Nichols credit changes

You will receive:

  • £200 per year to spend at participating UK restaurants, with a maximum credit of £100 every six months
  • £200 per year to spend at participating restaurants outside the UK, with a maximum credit of £100 every six months

This means that you will need to eat out at least four times to earn the maximum credit.

What do we think?

The loss of the Harvey Nichols benefit is a shame for me, but as I live near the London store I am not exactly typical. Other people may not see it as a big loss.

The change to the dining credit is good news, I think.

The UK part of the credit is not an issue for me and I treat this as being as good as £200 of cash. I accept that if you don’t live or work in London you may see if differently.

The overseas credit is, if I’m honest, always trickier to use – and I say that as someone who spends 50+ nights per year outside the UK. I still haven’t used my 2024 credit. Due to a couple of unexpected trip cancellations in recent weeks, it looks like I will only have one further opportunity this year – and I’d be on my own, meaning a £150 solo meal.

That said, my wife and I used our 2023 credit at a lovely brasserie in Paris, and it was somewhere we would never have made the effort to try otherwise. Sometimes a benefit which makes you go a little outside your comfort zone can be good.

The bottom line is that holders of The Platinum Card will get £450 of Harvey Nichols and dining credits next year.

2025 Amex Platinum dining and Harvey Nichols credit changes

One tiny bit of small print

You will need to re-register for the dining credits in January. Your existing registration will not be valid.

Don’t rush out on 1st January for a slap-up New Year lunch without renewing your registration. I am told by Amex that this may not be available immediately on 1st January.

Apply NOW and get £800 of credits

Yes …. apply for The Platinum Card now and you could earn £800 in credit.

This is on top of the 50,000 Membership Rewards points (which convert to 50,000 Avios) you’ll get as a sign-up bonus if you qualify.

The £800 consists of the following:

  • £50 to spend at Harvey Nichols by 31st December 2024
  • £150 to spend at participating UK restaurants by 31st December 2024
  • £150 to spend at participating overseas restaurants by 31st December 2024
  • £50 to spend at Harvey Nichols between 1st January and 30th June 2025
  • £100 to spend at participating UK restaurants between 1st January and 30th June 2025
  • £100 to spend at participating overseas restaurants by 1st January and 30th June 2025
  • £100 to spend at participating UK restaurants between 1st July and 30th December 2025
  • £100 to spend at participating overseas restaurants by 1st July and 30th December 2025

If you didn’t renew for the 2nd year you’d need to complete the final two tasks before your first anniversary, which would be late October 2025 if you applied today.

You can read more about the benefits of The Platinum Card in our full review here. It hasn’t been updated with this new benefits information yet.

You can apply for the card here.


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Want to earn more points from credit cards? – April 2025 update

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In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

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Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

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You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

American Express Preferred Rewards Gold

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British Airways American Express Premium Plus

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The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Virgin Atlantic Reward+ Mastercard

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Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

American Express Business Platinum

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American Express Business Gold

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Capital on Tap Pro Visa

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Capital on Tap Visa

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Comments (290)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Geoggy says:

    Any news on pro rata annual fee refunds ending?

  • BJ says:

    I would love to know what proportion of applicants cancel Platinum after 1, 3, 7 and 12 months, and what proportion stay for 24+ months. My guess is that 24+ retention is less than one third of applicants. Perhaps you could include a question on which cards people hold long term in the next HfP survey.

    • ken says:

      These changes certainly worse for the people getting and dumping a card 2 months either side of the new year and rinsing the credits.

      They can hardly complain though.

      I suspect if people get thinking the priority pass has huge value, they are swiftly disabused of the notion.

  • Emma says:

    Disappointing to see the 2x£100 split for global dining credit. Realistically, it’s hard to spend under £100 for 2 people at the international restaurants (I just went to Baieta in Paris, the cheapest set menu was £80pp so just in budget. Highly recommended if you’re in Paris!).

    Am I likely to be in one of the global dining cities once a year wanting to visit a fine dining restaurant? Yes. Twice? Probably not.

    Altough if they could add a Stansted lounge to the pre-book priority pass offer that would make me less disappointed!

  • Domo1915 says:

    Off to Japan in 2025. There’s no list of restaurants, just “Pocket Concierge” any one any experience of using tge foreign dining credit against this?

    • John says:

      Restaurants listed on the Pocket Concierge website are eligible for the dining credit. Pocket Concierge will take the payment once the restaurant confirms your booking.

      You prepaid your meal via Pocket Concierge

    • BJ says:

      Google it in the forum, comes up quite regularly there. Also in the comments of the dining articles and the dining thread in forum.

    • FlyingChris says:

      Used it last year. Worked well. You pre-pay for the base price of the meal (charges card immediately) and then drinks + additions are charged on dining. If clever with your timing you can ‘pre-pay’ in 2024 and then pick up drinks with 2025 allowance. But I think Pocket Concierge can only book a certain number of months in advance.

      FYI if going to Tokyo we had a stunning meal at RAMA. Japanese/Italian Omakase sat at a counter in an intimate small restaurant with just a handful of other people. Also very reasonably priced for the quality.

      • meta says:

        You can book certain restaurants 3 months in advance. At many restaurants £100 will not cover 1 person’s meal. £100 is about ¥20,000.

        • meta says:

          Also beware that some restaurants will be cheaper if you book direct or another similar platform. In some cases even 20%.

    • N says:

      Absolutely no problems. You prepay and when you get to the restaurant you only pay for drinks. Hospitality in Tokyo is very high quality.

  • Simon says:

    For everyone complaining about HN being overpriced – log in to your reward account, and add something to your basket. Then leave. And await a 10% discount voucher code to arrive. Seems to work every time.

  • masaccio says:

    Just looking at the Atlanta restaurants where I am next May, but one is permanently closed and one is vegan (yes, I am a total omnivore snob).

  • Paul says:

    I have to disagree with Rob on this. The rise in the benefit is welcome but the split means I am far less likely to dine high end as I have done till now. Not that that is always a good move. The Savoy Grill was used twice, the first time it was exceptional so I went back but that was a bloody awful experience and I won’t return. The overseas benefit similarly is a pain now that it is split.

    The HN benefit was useful for to offset a lunch before heading to the Royal Albert Hall and I have also just stocked up on Lakrids by Bulow.

    So overall for me a retrograde step but lets see what will replace HN going forward.

    • Laura Powell says:

      Had to check what “ Lakrids by Bulow” are 😂. There should be a forum to discuss what little flights of fancy people use their £50 on. I’ve bought EDT for a present, used the credit at Burger & Lobster in store at Knightsbridge and when this re-subscribing thing settles down I plan on getting an Atkinsons perfume travel set. What about others?

  • Luca M says:

    I have made great use of the dining credit so far, both home and abroad, selecting Michelin star restaurants I wanted to visit anyway. I for one do not feel I will be better off: whilst I also spend a considerable amount of time abroad, I have not found a great option of interesting restaurants in most countries I have visited in the last two years, and so it would probably be the one trip with the wife where we would have spent £150, so potentially we would be £50 worst off. Similarly in UK, £150 off a £350-£400 special dinner bill would be better for me that going at least twice a year and needing to basically spend more than I would have had before. I also made use of the HN credit by buying gift card in store each 6 month and then using them on a nice bottle of prestige champagne (which was anyway overpriced compared to Harrods, Selfridges and Fortnum & Mason). But basically, it looks like the HN is going without being replaced and the £100 is moving to the Dining credit, together with the 6 months T&C split.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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