Cash+ Credit Card
No salary transfer needed
Free first year; from year 2 waived on AED 24,000 annual spend
What it costs.
- Annual fee
- AED 1,050
- Fee note
- Free first year; from year 2 waived on AED 24,000 annual spend
- Monthly rate
- –Not published in the catalogue yet; it is not zero.
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- –Not published in the catalogue yet; it is not zero.
- Minimum salary
- AED 30,000
- 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.
- 1% daily cashback on eligible spends
- 10% bonus on total daily cashback monthly, quarterly, annually
- Complimentary 12-month Careem Plus subscription
- Up to 50% off dining at 4,000+ UAE restaurants (Zomato Gold)
- Buy 1 Get 1 free movie tickets monthly
- Airport lounge access (1,200+ lounges)
- Up to 7% back as wallet credits on Booking.com
- Complimentary multi-trip travel insurance up to USD 500,000
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.