ULTRACASH Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.Salary transfer required
No standard waiver
What it costs.
- Annual fee
- AED 315
- Fee note
- No standard waiver
- 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 10,000
- Salary transfer
- 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 of up to AED 500 for UAE nationals
- Welcome bonus of up to AED 300 for UAE expatriates
- Balance Transfer facility with 0% profit rate for 3 or 6 months.
- Easy cash access at low profit rates
- 0% Instalment Payment Plan
- Free supplementary cards for family members
- Complimentary access to 25+ regional and international airport lounges across multiple countries
- Discount of up to 30% on Cleartrip
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.