Cashback Plus Card
IslamicNo salary transfer needed
Current offer: no AMF for the first year, with continued fee waiver based on yearly spend
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 313.95
- Fee note
- Current offer: no AMF for the first year, with continued fee waiver based on yearly spend
- 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 12,000
- 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.
- Up to 10% cashback on supermarkets, education, dining and telecom (UAE and abroad), tiered by total monthly spend: 3% (AED 3,000-9,999), 5% (AED 10,000-17,499), 10% (AED 17,500+)
- Maximum cashback AED 200 per category per month; 1 cashback point = AED 1; points valid 2 years
- Unlimited complimentary access to 1,200+ airport lounges worldwide for you and one guest via Visa Airport Companion App
- 2 complimentary golf rounds per month at top UAE clubs
- Up to 2 complimentary Marhaba Meet & Greet Bronze services per year
- 1 complimentary valet parking service per month at selected UAE locations
- Buy-1-Get-1 Reel Cinemas movie tickets every month; 20% off tickets and F&B at Roxy Cinemas
- 50% cashback on cinema tickets at any UAE cinema (AED 3,000 monthly spend required, rising to AED 5,000 from 01 March 2026; max AED 100/month)
- Auto top-up facility for Salik accounts
- 0% Easy Payment Plans and Cash on Call up to 80% of credit limit
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.