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CashbackMastercard
Ajman Bank
LIFE Platinum Credit Card
IslamicNo salary transfer needed
Min. salary
AED 10,000
Annual fee
AED 0
Monthly rate
3.80%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
56.4%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.80%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 56.4%
- Minimum salary
- AED 10,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 50% cashback on refreshments/snacks, capped at AED 50/month
- 10% cashback on online merchants Amazon, Noon and Careem, capped at AED 50/month
- 5% cashback on dine-in at restaurants, capped at AED 50/month
- 1% cashback on all other retail spend, capped at AED 50/month
- Total cashback capped at AED 200/month (caps run 11th to 10th of the month); minimum spend of AED 3,000 in the statement cycle required to earn cashback
- No cashback on international spend (LIFE World only); no welcome bonus (LIFE World only)
- Unlimited complimentary access to over 25 Lounge Key and Marhaba lounges across UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore and more
- Complimentary valet parking 3 times a month at over 35 locations
- Bank concierge benefits (concierge.ajmanbank.ae): UAE airport transfers and airport meet & greet up to 2 times per year, golf up to 2 times per month; each requires a minimum total monthly spend of AED 7,000
- Balance transfer at 0% profit rate for 3 or 6 months; Easy Cash; 0% installment plans at preferred partners
- Free supplementary cards
- Mastercard offers: up to 30% off Cleartrip, up to 10% money back on Booking.com, 15% off IHG Hotels, 20% off Avis, 10% off Rentalcars.com
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.