Cashback Credit Card
No salary transfer needed
First year free if you spend AED 5,000 within 30 days of issuance (offer for applications 1 Jul - 30 Aug 2026); no ongoing waiver stated
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 418.95
- Fee note
- First year free if you spend AED 5,000 within 30 days of issuance (offer for applications 1 Jul - 30 Aug 2026); no ongoing waiver stated
- 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 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.
- 5% cashback on all supermarket spending, including online supermarket spend
- 5% cashback on dining out: restaurants, cafes, bars/nightclubs and fast food
- 5% cashback at petrol stations (fuel and additional spend)
- 0.5% cashback on all other spending in the UAE and abroad
- Cashback capped at AED 150 per month per category, no minimum spend to earn
- Instant cashback earning and redemption via the Dubai First mobile app
- Up to 4 standard VOX Cinemas tickets per month from AED 20 on AED 4,000 prior-month spend, plus soft drink and popcorn size upgrades
- Free airport lounge access via the Mastercard Travel Pass app
- 20% off one Talabat food or grocery delivery per month
- 25% off first Fiit.tv subscription with 800+ workouts
- 50% off Go Gamers Premium Membership
- Interest-free period up to 56 days
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.