Cashback Plus Credit Card
No salary transfer needed
No standard waiver; joining fee waived with an ongoing Liv Max subscription
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
- No standard waiver; joining fee waived with an ongoing Liv Max subscription
- 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 15,000
- 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.
- Up to 4% cashback on all spends by monthly spend tier: 4.0% at AED 15,000+, 2.0% at AED 7,000-14,999, 1.0% at AED 0-6,999
- Cashback capped at AED 1,500 per month; low merchant categories (government, utilities, bill payments) earn 0.1%
- Rewards redeemable as cashback or Emirates Skywards Miles (up to 10,000 Miles per month); minimum 500 points to redeem
- Airport lounge access at 800+ airports
- VOX Cinemas: 3 free tickets per month + 25% off F&B (on F&B spend of AED 40 or more)
- Travel medical insurance up to USD 500,000
- Careem airport transfers: 1 ride per year
- Talabat: 20% off on 1 order per month; Global Blue VIP tax-free international shopping services
- Joining fee AED 700 + VAT (AED 735), waived with an ongoing Liv Max subscription
- Monthly cashback also limited to a percentage of the assigned credit limit (e.g. up to 4% of the credit limit)
- No welcome bonus stated for this card
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.