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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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Comments (290)

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

  • SammyJ says:
    31 Oct31 October 10:54

    One of the few who are happy with these changes and decided to apply again (2+ yrs since). It got to the page where it spins while it does the credit check and then after 20 seconds it said “Our online application is currently unavailable. Please try again later.”

    Anyone had this? No idea if it’s me, my internet, or the Amex website. Not sure whether to try again, I don’t particularly want multiple credit checks!

  • Malcolm says:
    31 Oct31 October 11:08

    I’ve had a platinum for a few years and have generally made it work from a cost perspective with the credits, special offers and lounge access.
    We had an amazing meal at Sylvia’s in Harlem last year and would never have gone there without the credit option.

    But on reviewing this now it’s making it harder to justify the cost of the card.

  • Brian says:
    31 Oct31 October 11:35

    Happy with the announcement, a few minor changes but nothing earth shattering (as forewarned by Rob).

    I will also assume, given they are not winding down the HN and the Dining credit at the same time, that the plan is to continue with the latter for the foreseeable future.

    Means I’m likely to continue to hold the card for a few more years to come (unless I encounter the Priority Pass issues that many others face regularly). It would be nice to get some info on whether lounge booking credits will continue into 2025 and beyond.

    • TGLoyalty says:
      31 Oct31 October 11:56

      Hopefully they repeat the 20% off dining in the new year so there’s a nice double dip and you can enjoy £122ish off a meal.

      • Ruralite says:
        31 Oct31 October 13:35

        Hopefully they’ll pay out on this one first. I’ve queried twice & both times been told that the place I used just after the start of the promo in early September is included & the spend counts (which I knew as I’d already double checked). I’m still waiting for them to ‘investigate the issue’ & credit my account. Patience is running out!

  • Lady London says:
    31 Oct31 October 13:06

    If they were serious Amex would give £400 or more, of travel credit ssme type as the US cards get.

    This silly dining credit available only at a restricted list of eating places instead of free choice, only tells us Amex only wants to give you an apparent £100 back from the fee that you’ve paid (instead of just reducing the fee to s level their poor -customer service snd sneaky delays snd denials of earned credits is worth) it’s clear Amex must be only giving the restaurant £75 or less for £100 on your bill. Hence decent fairly priced restaurants won’t be found much on their limited list of a available restaurants.

    • BBbetter says:
      31 Oct31 October 16:09

      Yes, Rob has mentioned this is mostly funded by restaurants, which is also one reason there’s gap in the coverage in both uk and abroad.

    • meta says:
      31 Oct31 October 16:13

      Exactly, my partner’s mum is coming to London (she lives abroad) and would quite like to take her to afternoon tea. There are two places on the list that serve afternoon tea and she’s already been to both. So even for Londoners the choice can sometimes be limited.

  • MJ says:
    31 Oct31 October 13:19

    Splitting the overseas dining credit is a backward step for the consumer. Whilst I go abroad with my family regularly, the dining credit locations are a serious compromise. Next year, we are going to Florida. The only place where a dining credit can be used is Miami, which we are not visiting. Even if we were, I wouldn’t get to use the second credit.

    I’ll be cancelling next year before renewal.

  • Paul says:
    31 Oct31 October 13:44

    I’m still waiting on international credit to land from 6 weeks ago

    • Gerry says:
      31 Oct31 October 14:17

      Same here, I chased through the chat function, the rep said she can see the restaurant spend and it’s “eligible” but the credit will appear within 150 days “as per T&Cs” or sth like that…

  • roger says:
    31 Oct31 October 13:58

    I would rather they added a benefit like Amazon Prime or Netflix and kep same £300 dining offer.

  • Tim says:
    31 Oct31 October 14:10

    Interestingly my saved offer for HN has updated to expire 30/06/2025….

    Email is definitely ambiguous but if Rob is correct then I should receive another offer in Jan if I claim the current one I assume?

    • Rob says:
      31 Oct31 October 14:25

      Yes

    • Steven McG says:
      31 Oct31 October 21:47

      We used our HN credit a few weeks ago and it’s now disappeared from the saved offers. The wording of the Amex e-mail suggests the existing credit will be extended to June 2025 but not that a further credit will be applied. That leads me to think that there are no further HN credits due, unless of course they’ve said otherwise?

      • Natino says:
        31 Oct31 October 22:32

        Terms at the bottom of email are pretty clear it’s still the same 1 x £50 per 6 months. Also doesn’t make sense as I haven’t spent my second half of 2024 yet so why would I have lost it?

        • TGLoyalty says:
          1 Nov1 November 00:06

          Yup we all have proof in our inboxes.

          Save this American Express Platinum Card® benefit to your Card and spend in store and online at Harvey Nichols by 30/6/2025 to get 100% back on eligible transactions made up to £50, Benefit valid once every 6 months. Terms, payment restrictions and future communications about this benefit will apply.

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