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Cashback
Deem Finance
Platinum Credit Card
No salary transfer needed
Min. salary
AED 10,000
Annual fee
AED 315
Monthly rate
3.99%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
59.9%
Free for the first year
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 315
- Fee note
- Free for the first year
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- 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.
- Earn up to 75,000 accelerated Joy Points per month (Joy program), switchable anytime between Travel and Lifestyle reward modes
- 2x Joy Points per AED on entertainment, departmental stores, supermarkets and dining if monthly spend reaches AED 3,000 (otherwise standard rate); 0.13x points on all other spends
- Alternative WIN program: one entry into the bi-annual AED 250,000 draw for every AED 100 spent
- VOX Cinemas Buy 1 Get 1 movie ticket offer for all Deem Mastercard holders
- Talabat 20% off grocery or food orders (capped at AED 14) up to twice a month
- Access to 25+ airport lounges in the Middle East and the Levant
- 4 complimentary Valtrans valet parking services every month
- Up to 30% discount with Cleartrip; up to 10% back on booking.com hotel bookings; up to 20% off Avis car rentals; 10% off Farfetch
- Free 2-year premium MyUS membership for US online shopping
- Purchase Protection against theft or accidental damage up to 180 days from purchase; optional Deem Double Secure credit shield (1.04% of monthly outstanding)
- Multiple supplementary cards free (fee schedule: free up to 5)
- Up to 51 days interest-free period on retail purchases
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.