Cash+ Credit Card
No salary transfer needed
Free for the first 12 months; thereafter waived on annual spend of AED 24,000
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,050
- Fee note
- Free for the first 12 months; thereafter waived on annual spend of AED 24,000
- 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 30,000
- 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% automatic daily cashback on all eligible purchases, with no minimum spend and no earning caps
- 10% bonus cashback on the daily cashback earned, paid monthly, quarterly and annually (subject to minimum spends of AED 5,000, AED 25,000 and AED 125,000 respectively)
- Unlimited complimentary airport lounge access for you and 1 guest at over 1,000 lounges in 300+ cities
- Buy 1 Get 1 Free movie tickets every month when you spend at least AED 10,000 in the calendar month of booking, plus up to 25% off cinema food and drink
- Complimentary travel insurance cover of up to USD 500,000 for you and your family on trips up to 90 days
- Extended warranty doubling the original manufacturer's warranty for up to 1 year
- Complimentary 12-month Careem Plus subscription
- Complimentary Zomato Gold membership (up to 50% off dining at 4,000+ restaurants)
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.