Marriott Bonvoy World Mastercard Credit Card
No salary transfer needed
Product page currently advertises 'Joining fees: Free for life, Annual fees: 0'; Feb 2026 price guide and KFS still list AED 315
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 315
- Fee note
- Product page currently advertises 'Joining fees: Free for life, Annual fees: 0'; Feb 2026 price guide and KFS still list AED 315
- 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.
- Welcome offer: 2 Free Night Awards (each redeemable up to 35,000 points) on US$6,000 cumulative retail spend in first 3 billing statements
- 3 Marriott Bonvoy points per US$1 at hotels participating in Marriott Bonvoy
- Up to 1.5 points per US$1 on international spend (EU/UK merchants earn 50%) and on general domestic retail such as apparel and dining
- 0.375 points per US$1 on groceries/supermarkets, insurance, car dealerships and fast-food; 0.15 points per US$1 on real estate, education, petroleum, government, utilities and telecom
- 1 additional Free Night Award (up to 35,000 points, combinable with up to 15,000 points) every year on card anniversary
- Automatic Marriott Bonvoy Silver Elite status with fast track to Gold Elite
- 10 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)
- Earn points on dining without stays via the More Cravings by Marriott Bonvoy app
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.