Cashback Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.
Free for life
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.09%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 44.1%
- Minimum salary
- AED 5,000
- 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.
What you get.
- Earn 5% cashback on any of the two categories (as per your choice) — Education Grocery Dining Fue...
- Earn 1% cashback on other retail transactions except government transactions
- Exclusive ‘Buy 1 Get 1’ offers on leisure activities, dining, and premium spas
- Travel perks include complimentary airport lounge access, offer on IHG Hotels and Resorts, and more
- Discounts on Cleartrip bookings available
- Enjoy car rental discounts on Rentalcars.com and Avis Car Rental
- Get lifestyle benefits like Talabat food and grocery deliveries, Lingokids discounts, MyUS premiu...
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.