Classic Credit Card
No salary transfer needed
Free for life (Schedule of Charges note: AED 100 annual fee is waived till the relevant segment eligibility is maintained)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life (Schedule of Charges note: AED 100 annual fee is waived till the relevant segment eligibility is maintained)
- Monthly rate
- 2.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 42.4%
- 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.
- NBF loyalty/rewards points on every spend, redeemable for travel, shopping and more
- Buy 1 Get 1 Free at VOX Cinemas and Reel Cinemas, up to 4 free movie tickets monthly
- Cash advance up to 40% of the credit limit at over 840,000 ATMs worldwide
- Balance transfer of up to 90% of the available credit limit
- 2 free supplementary cards (AED 100 from the third card onwards)
- Up to 50 days interest free, subject to full payment
- Easy Payment Plans: 3 months at 0% interest with 1% processing fee
- Apple Pay and Google Pay enabled, CVV Key dynamic online-security code
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.