Duo Credit Card
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 840 per price guide)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 840
- Fee note
- Exclusive current offer: No Annual Fees (product-page promo; standard AED 840 per price guide)
- 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.
- Two cards in one package: a Diners Club card and a Mastercard credit card
- 5% Plus Points on grocery, electronics, utilities, education and fuel (requires min AED 5,000 statement spend, otherwise 1.5%)
- 0.5% Plus Points on all other spends; Plus Points capped at 500 per statement (effective 5 April 2025)
- Buy 1 get 1 movie tickets at Cine Royal (up to 3 free tickets/month, 15% off food and beverages, min spend applies)
- Complimentary lounge access: 1,500+ Diners Club lounges in 700+ cities plus Mastercard LoungeKey lounges (guests charged)
- Complimentary golf at 6 UAE courses (AED 30 booking fee, min spend applies)
- Concierge desk (car servicing and registration, local courier services)
- 0% Easy Payment Plans at select merchants; utility bill payments facility
- Exclusive for Abu Dhabi residents
- Airport transfers and valet parking discontinued effective 5 April 2025
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.