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Cashback
Deem Finance
World Credit Card
No salary transfer needed
Min. salary
AED 25,000
Annual fee
AED 525
Monthly rate
3.75%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
55.5%
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 525
- Fee note
- Free for the first year
- Monthly rate
- 3.75%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 55.5%
- Minimum salary
- AED 25,000
- 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 100,000 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
- Access to 1,000+ airport lounges worldwide
- Travel medical insurance and travel inconvenience insurance for you and family members (including visiting parents and children), plus instant travel insurance letter for visa applications
- 6 complimentary Valtrans valet parking services every month
- Complimentary Hertz Gold Plus Rewards Five Star membership; up to 35% off Avis car rentals worldwide
- VOX Cinemas Buy 1 Get 1 movie ticket offer; Talabat 20% off orders (capped at AED 14) up to twice a month
- Cleartrip discounts on flights and hotels; up to 10% back on booking.com hotel bookings
- Free 2-year premium MyUS membership for US online shopping
- 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.