Platinum Exclusive Credit Card
No salary transfer needed
Free for life (Schedule of Charges note: AED 250 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 250 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 9,000
- 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 Rewards points on banking activities, redeemable via the NBF Mobile Banking App
- Buy 1 Get 1 Free at VOX Cinemas and Reel Cinemas, up to 4 free movie tickets monthly
- Interest-free credit for up to 50 days, subject to full payment
- EZ Cash on Call: up to 70% of the available credit limit transferred to your account (3-12 months at 0.99%/month, 1% processing fee)
- Balance transfer at 0.99% per month for 6 months or 1.40% per month for 12-24 months
- 2 free supplementary cards (AED 100 from the third card onwards)
- Cash advance up to 40% of the credit limit at over 840,000 ATMs worldwide
- Visa payWave tap-to-pay up to AED 300; CVV Key dynamic online-security code; Visa Platinum offers
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.