Consumer Platinum Credit Card
IslamicNo salary transfer needed
First year free (limited-time offer on new cards); AED 261.45 incl. VAT thereafter, no spend-based 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 261.45
- Fee note
- First year free (limited-time offer on new cards); AED 261.45 incl. VAT thereafter, no spend-based waiver stated
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 15,000
- 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.
- 4% cashback on supermarkets & hypermarkets (max AED 400/month)
- 4% cashback on school fees (max AED 400/month) and automobile servicing (max AED 400/month)
- 4% cashback on Etisalat & Du bills, fuel and utility bills (max AED 150/month each)
- 4% cashback on Salik/Nol recharges (max AED 50/month)
- Total cashback capped at AED 1,000 per billing cycle
- Minimum AED 4,000 monthly retail spend required for cashback (effective 10 May 2025)
- Travel & medical cover up to US$100,000 when flight booked on the card (covers spouse and up to 4 children under 18)
- Complimentary roadside assistance up to 2 times per year
- Optional Credit Shield Takaful at 0.94% of outstanding per month
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.