Gold Card
No salary transfer needed
No standard waiver; fee billed in USD (US$ 183.75 incl VAT = AED 674.82 at pegged 3.6725). Membership Rewards enrolment is an extra US$ 25 + VAT per year
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 674.82
- Fee note
- No standard waiver; fee billed in USD (US$ 183.75 incl VAT = AED 674.82 at pegged 3.6725). Membership Rewards enrolment is an extra US$ 25 + VAT per year
- Monthly rate
- –Not published in the catalogue yet; it is not zero.
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- –Not published in the catalogue yet; it is not zero.
- Minimum salary
- AED 23,000
- 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.
What you get.
- Welcome bonus: 10,000 Membership Rewards points when you spend US$ 4,000 within 90 days (offer period 1 Jan - 31 Dec 2026)
- Earn 1 Membership Rewards point for every US$ 1 spent on eligible purchases; points never expire
- Priority Pass lounge access: 8 complimentary visits per annum, for you and 1 supplementary cardmember (under-18 supplementaries excluded)
- Travel Accident Insurance up to US$ 350,000
- Travel Inconvenience Insurance up to US$ 1,000 (flight delay/cancellation/denied boarding, missed connection and luggage delay up to US$ 200 each; lost luggage up to US$ 1,000)
- Retail Protection Insurance up to US$ 1,500 per occurrence and US$ 40,000 per cardmember in any 12-month period
- Charge card with no pre-set spending limit; balance payable in full each month
- Pay Over Time option: convert part of the balance into 3, 6, 9 or 12-month instalment plans via the app (dedicated Pay Over Time limit)
- Card is billed in US dollars; 2.94% conversion fee (3.087% incl VAT) on non-USD transactions
- Membership Rewards fee US$ 25 (US$ 26.25 incl VAT) per year, subject to enrolment
- Supplementary cards US$ 75 (US$ 78.75 incl VAT) each
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.