Elevate Credit Card
No salary transfer needed
No annual fee; tiered monthly subscription fee (Prime AED 49+VAT, Plus AED 99+VAT, Privilege AED 299) charged only if monthly spend is below AED 5,000 / 10,000 / 20,000 respectively
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
- No annual fee; tiered monthly subscription fee (Prime AED 49+VAT, Plus AED 99+VAT, Privilege AED 299) charged only if monthly spend is below AED 5,000 / 10,000 / 20,000 respectively
- 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 35,000
- 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.
- Three switchable tiers (Prime / Plus / Privilege); monthly fee waived on monthly spend of AED 5,000 / 10,000 / 20,000
- Up to 4 RAKrewards per AED 1 spent, up to 3.2% back on all spends, redeemable against flights and hotel stays with no cap on redemptions
- Welcome bonus of up to AED 1,000 in RAKrewards; first 3 months of Elevate Privilege free for new cardholders
- Zero bank foreign-transaction fee on Privilege tier (0% bank + 1.15% Mastercard scheme charge; other tiers 2.57% bank + 1.15%)
- Complimentary access to 1,300+ airport lounges worldwide
- Complimentary airport transfers (6 per year) and 2 complimentary Zofeur chauffeured rides per month
- Up to AED 200 cashback per month on video streaming services
- 50% off on 4 VOX cinema tickets per month
- Elevate Premium Pass: unlimited premium gyms, beach and pool clubs; up to 4 free padel games per month (up to AED 800 cashback on select padel courts); 23% off Kcal meal plans
- Complimentary Careem Plus annual membership with Privilege tier; 24/7 luxury concierge
- Built-in medical and travel delay coverage; free international e-SIM; supplementary cards free for life
- Reduced earn rates: 0.6 pts per AED on insurance and supermarket; 0.4 pts per AED on charities, government, bill payments, transit, real estate, petrol, automobiles, exchange houses; 0.5 pts per AED in EEA countries; RAKrewards valid 36 months
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.