Journey Credit Card
No salary transfer needed
First-year fee waived on AED 10,000 spend within 60 days; waived every year after on AED 150,000 spend in the previous 12 months
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,575
- Fee note
- First-year fee waived on AED 10,000 spend within 60 days; waived every year after on AED 150,000 spend in the previous 12 months
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 30,000
- 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.
- AED 1,000 welcome cashback on spending AED 10,000 within 60 days of card opening (offer window 01 July - 30 September 2026)
- Earn 4 360 Rewards Points per USD 1 spent internationally and 2 points per USD 1 spent locally
- 10% cashback at UAE airport duty free stores, capped at AED 100 per statement (activated by purchasing an airline ticket on the card)
- Unlimited airport lounge access for cardholder and a guest via Visa Airport Companion app (first two visits complimentary, then 1 international purchase of USD 1 unlocks unlimited)
- 4 complimentary Careem airport transfers per year (up to AED 100 off per ride, promo code SCB100)
- Up to 2 complimentary golf rounds per billing cycle on AED 12,000 monthly spend (AED 10,000 for Priority/Private clients; AED 525 per round if spend not met)
- Complimentary Warehouse Gym access, up to 30 visits per billing cycle (monthly minimum spend applies)
- Buy 1 Get 1 Free movie tickets at VOX and Reel Cinemas (up to 6 tickets, 3 free, per session)
- 2% of 360 Rewards Points balance back as cashback on airline bookings
- Complimentary multi-trip travel insurance for cardholder and family on trips up to 90 days; Buyers Protection
- Free unlimited supplementary cards for family members
- Minimum credit limit AED 20,000
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.