Air Arabia Platinum Credit Card
No salary transfer needed
Waived from the 2nd year on AED 20,000 retail spend in the previous year; product page (Jul 2026 promo) currently advertises no joining fee for year 1
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 420
- Fee note
- Waived from the 2nd year on AED 20,000 retail spend in the previous year; product page (Jul 2026 promo) currently advertises no joining fee for year 1
- Monthly rate
- 3.65%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 53.8%
- 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.
- Welcome bonus 20,000 AirRewards on spending AED 5,000 retail in first 3 months (limited-time, new-to-bank customers; government/utility spends excluded; standard KFS bonus is 15,000)
- Earn 1.75 AirRewards per AED 5 on airarabia.com and international spends; 1.25 AirRewards per AED 5 on domestic spends
- Reduced categories (charities, government services, non-digital bill payments, schools, education, transit, transport, telecom, real estate, petrol, utilities, quasi-cash, automobiles) earn 0.30 AirRewards per AED 5; no cap on earning; minimum 3,000 points to redeem flight or baggage rewards
- Complimentary Air Arabia return ticket every year on AED 30,000 retail spend in the year (UAE-origin flights; airport taxes payable by customer)
- 10 kg complimentary baggage plus 2 meal vouchers once per year on AED 20,000 retail spend in a year
- Up to 2 complimentary Careem airport transfers per year, capped at AED 100 per ride (promo code RAK100, primary cardholders)
- 50% off VOX Cinema tickets, up to 2 tickets per month (primary cardholders)
- Complimentary airport lounge access and complimentary travel (accident) insurance
- Fly Now Pay Later: 0% Easy Payment Plan up to 12 months on airarabia.com bookings of AED 500 or more
- IHG Hotels & Resorts Mastercard offer: 15% off room rates, welcome drink, late check-out at participating properties
- AirRewards points valid 24 months from earned date
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.