Switch Cashback Credit Card
IslamicNo salary transfer needed
Free for the first year; from year 2 waived on AED 30,000 retail spend in the last 12 months
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
- Free for the first year; from year 2 waived on AED 30,000 retail spend in the last 12 months
- 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 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.
- Welcome bonus of AED 500 cashback points on AED 15,000 spend within 60 days of card approval (credited in 3rd statement cycle)
- Earn up to 8% cashback with a choice of Lifestyle or Travel category plan
- Lifestyle plan: 8% on domestic fuel (cap AED 100/month), 4% on domestic supermarkets, dining and education (cap AED 200 each/month)
- Travel plan: 4% on airlines, hotels and dining (cap AED 200 each/month)
- 0.5% on telecom, utilities, real estate and government spends; 1% on other spends (no cap)
- Complimentary access to 1,200+ airport lounges (AED 5,000 monthly spend conditions apply)
- 2 complimentary golf rounds every month (AED 5,000 monthly spend)
- 1 complimentary valet parking service per month (AED 3,000 monthly spend)
- Multi-trip travel takaful
- Minimum AED 300 cashback wallet balance required to redeem as statement credit; Visa Signature card
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.