The Platinum Card
No salary transfer needed
No standard waiver; AED 3,100 + VAT = AED 3,255, includes 1 free Platinum and 4 free Gold supplementary cards
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 3,255
- Fee note
- No standard waiver; AED 3,100 + VAT = AED 3,255, includes 1 free Platinum and 4 free Gold supplementary cards
- 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 30,605
- 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: 50,000 Membership Rewards points when you spend US$ 12,000 within 90 days (elevated from the standard 30,000; offer period 1 Jan - 31 Dec 2026)
- Additional Welcome Credit of AED 900 (or US$ 250) when you spend AED 37,000 (or US$ 10,000) within the first 3 months
- Earn 1 Membership Rewards point per AED 4 spent on eligible purchases; complimentary MR enrolment, points never expire
- Airport lounge access for you and your supplementary cardmember at 1,700+ lounges in 145+ countries, including The Centurion Lounge network and Priority Pass (Gold supplementary cardmembers get 8 Priority Pass visits per annum)
- AED 1,100 Annual Travel Credit when you book airline tickets of at least AED 11,000 (or US$ 3,000) through Platinum Travel Service
- Dining Credit up to AED 740 annually (up to AED 185 credited each quarter at a curated selection of restaurants; enrolment required, limited-time offer)
- Hotel elite status: Marriott Bonvoy Gold Elite, Hilton Honors Gold, Radisson Rewards Premium and GHA DISCOVERY Platinum
- Room upgrade plus US$ 100 hotel credit on stays of 2+ nights at 2,200+ hotels booked through Platinum Travel Service
- Insurance: Travel Accident up to US$ 1,000,000, Car Rental cover up to US$ 30,000, Purchase Protection up to US$ 2,000, emergency medical treatment up to US$ 150,000
- Up to 5 complimentary supplementary cards (1 Platinum and 4 Gold)
- Charge card with no pre-set spending limit; pay in full monthly or use Pay Over Time instalment plans of 3, 6, 9 or 12 months
- Cruise privilege: US$ 300 shipboard credit and US$ 100 spa voucher per stateroom
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.