Marriott Bonvoy World Elite Credit Card
No salary transfer needed
Annual fee not charged while enrolled in the Express Points programme (AED 300/month); otherwise no standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,575
- Fee note
- Annual fee not charged while enrolled in the Express Points programme (AED 300/month); otherwise no standard waiver
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 25,000
- 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 up to 200,000 Marriott Bonvoy points: 100,000 on card activation and joining-fee payment + 100,000 on US$15,000 retail spend in first 3 billing statements
- 6 Marriott Bonvoy points per US$1 at hotels participating in Marriott Bonvoy
- Up to 3 points per US$1 on international spend (EU/UK merchants earn 50%) and on general domestic retail such as apparel and dining
- 0.75 points per US$1 on groceries/supermarkets, insurance, car dealerships and fast-food; 0.30 points per US$1 on real estate, education, petroleum, government, utilities and telecom
- 1 Free Night Award every year on annual-fee payment (redemption level up to 50,000 points)
- Automatic Marriott Bonvoy Gold Elite status; Platinum Elite on US$100,000 annual card spend
- 15 Elite Night Credits per calendar year
- Complimentary airport lounge access with Mastercard Travel Pass
- Buy 1 get 1 free movie tickets at VOX, Reel and Cine Royal (min spend applies)
- Complimentary golf at 6 UAE courses (AED 30 booking fee, min spend applies)
- Express Points programme: up to 50% more points (max 12,000/month) for AED 300/month, with annual fee waived for enrollees
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.