Infinite Credit Card
No salary transfer needed
Free for life (Schedule of Charges note: AED 750 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 750 annual fee is waived till the relevant segment eligibility is maintained)
- Monthly rate
- 2.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 34.3%
- Minimum salary
- AED 40,000
- 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.
- Unlimited free access to 1,200+ airport lounges worldwide via the Visa Airport Companion app
- Free comprehensive domestic and international travel insurance for up to 90 days when travel is booked on the card
- 24/7 concierge service for travel, restaurant, event and gift arrangements
- Buy 1 Get 1 Free at VOX Cinemas and Reel Cinemas, up to 4 free movie tickets monthly
- NBF Rewards points on spending, redeemable via the NBF Mobile Banking App
- EZ Cash on Call: up to 70% of the available credit limit transferred as cash
- Balance transfer of up to 90% of the available limit
- Double warranty on purchases made with the card
- 3 free supplementary cards (AED 250 from the fourth card onwards)
- Up to 50 days interest free, subject to full payment; minimum credit limit AED 10,000, maximum AED 500,000
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.