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Everyday
Dubai First
Low-Rate Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
2.49%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
34.3%
Free for life
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 0
- Fee note
- Free for life
- Monthly rate
- 2.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 34.3%
- 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.
02Rewards & perks
What you get.
- Low retail interest rate of 2.49% per month
- Free for life: no annual fee, ever
- 1% cashback on 0% interest 3-month balance transfers from non-FAB credit cards (longer durations available)
- Cash and balance transfers in just 60 seconds through the Dubai First mobile app
- Low minimum monthly payment: 3% of outstanding or AED 100, whichever is higher (vs 5% on other cards)
- Standard movie tickets from AED 20 at Cine Royal, Star Cinemas and Reel Cinemas on AED 5,000 prior-month spend
- 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
- Travel discounts on booking.com, IHG Hotels, Avis, Rentalcars.com and more
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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.