Mastercard Titanium Credit Card
No salary transfer needed
Exclusive current offer: No joining fees, no annual fees (product-page promo; standard AED 420 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 420
- Fee note
- Exclusive current offer: No joining fees, no annual fees (product-page promo; standard AED 420 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 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.
- Plus Points: up to 1 point for every AED 100 spent (earning cap per statement applies)
- 0.4% points on supermarkets, grocery, insurance and car dealership spends
- 0.2% points on fuel, utility, real estate and education spends
- Complimentary lounge access upon flight delay with Flight Delay Pass
- Auto Salik top-up facility (extendable to supplementary cards)
- Instant Plus Points redemption at key merchant outlets
- Exclusive Mastercard discounts, experiences and offers
- 0% Easy Payment Plans at select merchants; utility bill payments facility
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.