Super Saver Credit Card
No salary transfer needed
Free for the first year; from year 2 the fee is auto-reversed on achieving the annual spend target assigned to the card (target amount not published on the card page)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 420
- Fee note
- Free for the first year; from year 2 the fee is auto-reversed on achieving the annual spend target assigned to the card (target amount not published on the card page)
- Monthly rate
- 3.85%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 57.4%
- Minimum salary
- AED 5,000
- 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.
- Up to 10% cashback on B.E.S.T categories: Bills (water/electricity/telecom), Education (school, college, university fees in UAE and abroad), Supermarket and Transport (fuel)
- Tiered cashback by monthly total spend: 3% at AED 3,000-9,999.99, 5% at AED 10,000-19,999.99, 10% at AED 20,000 and above; no cashback below AED 3,000 monthly spend
- Cashback capped at AED 150 per category and AED 600 per customer per calendar month (up to AED 7,200 a year)
- 8 complimentary visits per year to over 1,000 airport lounges globally via Visa Airport Companion App
- Multi-trip travel insurance for cardholder and family, 90 days from date of travel, up to USD 500,000
- Purchase protection against theft or damage
- Extended warranty: automatically doubles the original manufacturer's warranty up to one year
- 2-for-1 offers via the Xperience app with the ENTERTAINER powered by Visa
- Emaar attractions: 20% off KidZania, E-Kart Zabeel, Dubai Aquarium Penguin Cove, The Storm Coaster, Dubai Ice Rink and Zabeel Sports District; bonus credits at Play DXB
- Cashback redeemable from AED 50 as direct credit to the card via CBD Mobile App or Online Banking
- Welcome offer: 0% interest on Balance Transfer and Cash on Call 6- and 12-month plans within 30 days of card issuance (valid until 31 December 2025; one-time processing fee 3.99% / 6%)
- Supplementary cards free for life
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.