LIFE World Credit Card

IslamicNo salary transfer needed

Min. salary

AED 10,000

Annual fee

AED 630

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%

Waived on AED 5,000 retail spend within 60 days of card issuance

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01Fees & rates

What it costs.

Annual fee: AED 630
Fee note: Waived on AED 5,000 retail spend within 60 days of card issuance
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.

Welcome bonus: AED 1,000 cashback on spending AED 10,000 within 60 days of card issuance
Annual membership fee of AED 600 waived on retail spend of AED 5,000 within 60 days of card issuance
10% cashback on online merchants Amazon, Noon and Careem, capped at AED 100/month
7% cashback on dine-in at restaurants, capped at AED 100/month
5% cashback on international spend, capped at AED 100/month
50% cashback on refreshments/snacks, capped at AED 100/month
1% cashback on all other retail spend (capped 'up to the limit assigned spend on other category')
Maximum cashback AED 400 + other-retail-spend cashback per month (caps run 11th to 10th); minimum spend of AED 5,000 in the statement cycle required to earn cashback
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
Valet parking 3 times a month at over 35 locations; UAE airport transfers and meet & greet up to 2 times per year and golf up to 2 times per month via bank concierge (AED 7,000 minimum monthly spend required)
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

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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.