365 Cashback Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.No salary transfer needed
Free for life
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- 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 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.
- Get a welcome bonus worth AED 365 on spending AED 5,000 within the first 45 days
- 0% interest payment plan on school fees
- 1% cashback on retail purchases
- 3% cashback on Telecom Fuel Salik Payment Utility Bill Payment
- 5% cashback on groceries
- 6% cashback on dining and online food orders
- ‘Buy 1 Get 1’ offer on VOX Cinemas movie tickets
- 12% discounts on hotel accommodations with Visa Agoda
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.