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CashbackMastercard
Ajman Bank
LIFE World Credit Card
Min. salary
AED 20,000
Annual fee
AED 600
Monthly rate
3.50%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
51.1%
Waived on AED 5,000 retail spend within 60 days
01Fees & rates
What it costs.
- Annual fee
- AED 600
- Fee note
- Waived on AED 5,000 retail spend within 60 days
- Monthly rate
- 3.50%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 51.1%
- Minimum salary
- AED 20,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
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.
02Rewards & perks
What you get.
- AED 1,000 welcome cashback when you spend AED 10,000 within 60 days (new cardholders)
- 50% cashback on refreshments & snacks (up to AED 100 per month)
- 10% cashback on Amazon, Noon & Careem (up to AED 100 per month)
- 7% cashback on dine-in (up to AED 100 per month)
- 5% cashback on international spend (up to AED 100 per month)
- 1% cashback on all other retail spends
- Premium categories capped at AED 400 per month; requires AED 5,000 minimum spend per statement cycle
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.