World Credit Card
No salary transfer needed
Free for the first year; from the 2nd year waived on AED 100,000 spend in the previous year (RAKMoney transfer, BT, CCC and cash transactions excluded)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 997.5
- Fee note
- Free for the first year; from the 2nd year waived on AED 100,000 spend in the previous year (RAKMoney transfer, BT, CCC and cash transactions excluded)
- 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 20,000
- 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 offer: AED 750 cashback bonus for digital applications from 15 July to 15 September 2026 (minimum spend criteria apply)
- Up to 10% cashback on travel: domestic and international airline tickets and hotel bookings, capped at AED 400 per month
- Up to 10% cashback on supermarket spends worldwide, capped at AED 300 per month
- Up to 10% cashback on dining worldwide, capped at AED 300 per month
- Up to 3% cashback on e-wallet retail spends (capped AED 150/month) and up to 1% on non-e-wallet retail spends (capped AED 100/month); up to AED 1,250 total cashback per month
- All cashback subject to meeting a minimum monthly spend of AED 10,000
- Complimentary access to 1,300+ airport lounges worldwide
- FREE Careem Plus membership for 12 months
- 2 complimentary airport rides per year with Careem
- Discounted rates at VOX Cinemas, maximum 4 tickets per card per month
- Secure Wallet: covered worldwide up to 10,000 in case of card misuse due to loss or theft
- First supplementary card free (additional supplementary card AED 210)
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.