Titanium Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.
What it costs.
- Annual fee
- AED 210
- Monthly rate
- 3.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 59.9%
- 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.
- A welcome bonus of up to AED 700
- Enter a draw to win AED 250,000 for 6 months or receive up to 50,000 Joy Points
- Pay education fees and receive 1% cashback
- Earn JOY points in several lifestyle categories
- BOGO Reel and VOX movie tickets are available
- Food and grocery delivery discounts on the Talabat app
- Complimentary Flight Delay Pass
- Exclusive discounts on hotel bookings
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.