Visa Flexi Credit Card
No salary transfer needed
Standard fee AED 735; currently waived under 'Exclusive current offer: No joining fees No annual fees' on the product page
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 735
- Fee note
- Standard fee AED 735; currently waived under 'Exclusive current offer: No joining fees No annual fees' on the product page
- 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.
- 1.5 Plus Points for every AED 100 spend; 0.4% Points for supermarkets, groceries, insurance and car dealership spends; 0.2% for fuel, utilities, real estate and education
- Customisable benefits: choose 3 of 5 travel benefits (900+ airport lounges, Global Blue tax refunds, airport transfers, flight-delay lounge access, complimentary 3GB global eSIM roaming)
- Choose 2 of 4 lifestyle perks (Careem discounts, complimentary UAE golf, 12-month SupperClub Signature Premium Dining membership, concierge)
- Choose 1 of 3 entertainment treats (6 months Anghami, 3 months STARZPLAY, VOX Cinemas discounts)
- Interest-free period up to 55 days on retail purchases
- Free insurance for big ticket purchases
- Currently no joining and no annual fees (exclusive current offer)
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.